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DO you think it is wise to sell the mutual funds and go to ETF?

It's all about returns. So if you can find funds or etf's that perform better, that is what you should do. Otherwise, I would sell the bond fund and put those funds into your best performing equity fund.

But fundamentally I think you can do better in individual stocks if the sums are large enough to make commissions a minor factor and you have the time to manage them.

Funds and etfs tend to own baskets of stocks. Index funds are often recommended as they have low turnover and tend to do better than expensive managed funds. But any list of stocks, index or otherwise, tends to include winners and losers.

Index funds did poorly in the 2008 meltdown as it took several years for mortgage companies, banks, auto companies, auto parts supplier, home builders, and home improvement industries to go all the way down. If you owned an index fund you rode all those losers all the way down counting on the other stocks to make up the difference and give you net overall gains.

You can usually do better than the fund simply by taking the list of stocks and buying the ones that are performing well and avoiding the losers. At least that is my theory, that is where I am coming from, and that is what works for me.
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