Choosing the fund depends on your risk appetite and your financial objective, and your comfort levels. Thats why choosing a competent financial adviser who can guide you with these funds is very important. The adviser must recommend funds that will suit you and your objectives. I've been investing with my financial adviser for 11 years now, and I also started young. The returns were good enough that I was able to buy my own condo now and also my SUV. May pang retirement na rin ako, plus I got to set up mutual fund accounts, stock market accounts, and also invested in business. I started investing with just 50,000, just to give you an idea of what a good financial adviser can do for you. If you want, pm me so I can recommend you to him.