On November 17 I bought 7 different mutual funds and went to a 100% invested position. One of the funds I bought was Robertson Stevens Information Age (RSIFX) and it has made money as have the other six.

My readers know I don't recommend buying individual issues. Instead I let the best minds on Wall Street pick stocks for me. Yes, they have nice 6-figure incomes, but I can afford them because they do it for free. These market mavens are the managers of the best performing mutual funds. By best performing I mean they have increased share value more than 99% of all other mutual funds and there are 8,500 funds.

When I say "free" it means I don't pay any commission for their service. All I ever buy are the no-load (no commission) funds. Never pay commission for any mutual fund because there is no correlation showing that paying commission brings better results.

Back to RSIFX. On Feb 7, I noticed that RSIFX started to fall out of the top performance funds. The beginning of each month I review my funds to see if there is any need for a change; it takes me about 10 minutes.

Immediately I called my discount broker and placed an order to sell all shares of RSIFX and to put those funds into PBHG Select Equity (PBHEX) fund that was performing better. Good old RSIFX made me 34% which wasn't too bad for about 2 1/2 months, but it wasn't keeping up with the pack.

What happened? From February 7 to February 25 RSIFX went up 2%, but PBHEX went up 10%. That's 8 full percentage points over just 2 1/2 weeks which is a lot of money for a short period of time.

There is another plus when you use a discount broker. I paid zero, nada, nothing, not one penny commission for either the sale or purchase of either fund.

If you want to retire rich, well-to-do or comfortable you must watch your funds on a regular basis and make changes so you are always in the best performing funds at all times.