<prompt> Human: I know that 4,000 is not a huge amount but I am trying to decide whether I should put it into my American Funds mutual funds which has not been doing too well for the past year periodically 200month for 20 months or do something else with the 4,000? From what Ive heard it seems like my best bet is to put it into the mutual funds but I am a bit hesitant due to the funds performance. Any ideas for what I should do? Thanks!  <response>: Get out of American Funds, get into low-cost index funds at VanguardFidelitySchwab. 