I must say as I watch the a href=”http://www.foxbusiness.com/story/markets/futures-remain-red-despite-bofas-results/”stock market dive today/a, I am really glad I got out of mutual funds completely a little over a week ago. I was sick of the ups and downs in my portfolio and the lack of control I had over my financial future. I realize, given the current administration, that my control is still limited–at some point, we a href=”http://www.prisonplanet.com/government-to-confiscate-401ks-and-iras-for-mandatory-savings-tax.html”may be forced to turn /aour SEPs and IRAs over to the government. But until then, I like the feeling of being invested in CDs, bonds and cash. “Stupid move,” some experts or others might say–but sometimes a feeling of control is more important than money. br /br /I have started watching Dave Ramsey, author of a href=”http://www.amazon.com/gp/product/0785289089?ie=UTF8tag=wwwviolentkicomlinkCode=as2camp=1789creative=9325creativeASIN=0785289089″emThe Total Money Makeover/em,/aimg src=”http://www.assoc-amazon.com/e/ir?t=wwwviolentkicoml=as2o=1a=0785289089″ width=”1″ height=”1″ border=”0″ alt=”” style=”border:none !important; margin:0px !important;” / at the suggestion of some readers and he has some good general advice. However, I have to ask, “where are all those 12% good growth mutual funds that Ramsey is always harping about?” I have invested in numerous mutual funds but never gotten returns like that. Last time I heard about anyone getting returns that good, they were victims of the Benie Madoff scandal. I have been in many mutual funds over time (some as long as 13 or more years) and never had returns this good that lasted. Has anyone out there? Is so, tell us about about it–no need to tell us the names or any details, just whether you have made a killing in any “good growth mutual funds.” Maybe my picks are just poor.