<And I've learned,from postings here, that high turnover is irrelevant from a "hidden cost" perspective when the money is all>But you need to look turnovers and not just ignore them. I think I state they should not be used as principle screen test but might be used as tie breaker.IOM Answer to your questions.1) With just $3,000 to invest should I be concerned about fees ? I.e. Should I just stick with the index fund ?Mphipps relpies: In my option you should have 20% in technology fund. That is singular. IMO your 3000 should go into Index and larger percentage of monthly contributions go into tech fund. If I am correct about technology it will get to the 20% quickly.2) What do you think of the five other funds I picked ? Are they recognized by the "investment community" as high quality fundswith good management teams, sort of like, I guess, Janus is. Can I do better than them ? Mphipps replies: who knows. I check the funds out. All meet the 20% rules. But I think they all invest pretty much in the same thing. I like the electronic fund and Technology fund. I think a would recommend salary funded investments in Technology fund. Sort of even out the others are just a like to specialized.I think going with just one of the Tech funds is best approach.Sum up. IMO $3k goes in index fund and 50% of salary inputs go into technology and 50% go into indexIf you want another fund I would look for international and not another tech.
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