One thing that is not very popular as it use to be is mutual fund investments. With this past year taking a beating in most all sectors, a great majority of fund holders took a beating too. Fund managers are in a quandary with what to tell those who have entrusted millions of dollars in their hands.

Thankfully, not all funds went down though. Those who were careful about their investments, and put money in biotech funds actually did pretty well. Of course this was a matter of not simply investing, but being selective.

If you have been planning on investing in mutual funds, you may want to do your homework this year before investing too much money. Most of the money market funds that use to do well, and known by many as safe havens for cash are no longer cutting it. So before you throw money at something you may want to get an account at Morning Star and begin looking at some of the top picks that are expected to rise based on needs of the economy rather than just good appearances.