re: Buying mutual funds..need help

I have both VDAIX (up 8.69% YTD) and VFINX (up 8.72%). These are "stock" mutual funds. Look at their top 10-20 holdings and see if you agree on upside.

VILLX is a "balanced" fund (has stock and bonds). It is up 3.25% this year, but has very good track record. It is rated high risk by Morningstar, so at my age I am not a player.

I only have 2 sectors covered - health care through T.Rowe and Vanguard, and a consumer staple ETF -- XLP, which means it trades like a stock and has lower fees.