Recently, I was approached by a lady I know, who shall remain anonymous. She asked me if I would mind looking over here 401(k) and giving her some direction with the investment selection. She works for any large institution and I am guessing that she is a little bit past middle age. I looked at her statement, which had a modest sum of money in 12 different mutual funds. She asked me if I recognize any of them; I did not. Her employer, like many others relies on a very large mutual fund compan...