<prompt> Human: Im 25 years old and in June 2015 I put 31K into 2 mutual funds run through Chase Investments I know, I am extremely lucky to have this kind of money at such a young age, which is precisely why Id like to manage it well. Since then, my portfolio has grown to 40K, which to me seems like very strong growth 35. In fact, during the same time period, the SP 500 only rose by 30.I now have another 15K in savings that I would like to invest. I spoke to my financial advisor at Chase and he suggested that I put it into a third mutual fund that focuses on international markets my other 2 funds are very US focused apparently.What should I do? All of the advice I see here on a daily basis would tell me that I should move all of my money into an SP 500 Index fund, but so far my portfolio has outperformed the SP 500! Did I just get lucky, and will my luck soon run out?Other pertinent details: The net expenses on my two current mutual funds are 1.64, and 1.25. Is my growth unsustainable? Any advice is much appreciated!  <response>: Did I just get lucky, and will my luck soon run out?Probably. Nearly all actively managed funds eventually underperform. And if these are passively managed funds then you are paying way too much to hold them. 