A lot of times they will offer funds based on your age and how long until you retire. These can be good choices until you learn more about how to create a portfolio. The life mutual funds generally are mixed to give you an appropriate risk/rate of return based on how long you have until retirement.

- It's 3 year minimum investment - I live in Canada - I want short term growth and do not mind high risks - My benefits company is Sun Life Assurance company of Canada - I can split my invesment within the choices for any % I'd like, I do not have to pick only ONE if needed. Here are my choices (17): 1. Sun Life Financial Money Marker Segregated Fund (GM1) 2. Jarislowsky Fraser Bond Segregated Fund (GKB) 3. PH&N Bond Segregated Fund (H9B) 4. Jarislowsky Fraser Balanced Segregated Fund (GJG) 5. McLean Budden Balanced Growth Segregated Fund (GBG) 6. Sceptre Balanced Pooled Segregated Fund (H9G) 7. Jarislowsky Fraser Canadian Equity Segregated Fund (H9G) 8. McLean Budden Canadian Equity Growth Segregated Fund (GBS) 9. McLean Budden Canadian Equity Value Segregated Fund (DIP) 10. Sceptre Canadian Equity Pooled Segregated Fund (JJX) 11. Beutel Goodman Global Segregated Fund (DSJ) 12. Fidelity Growth America Segregated Fund (GRT) 13. Jarislowsky Fraser U.S. Equity Segregated Fund (GKL) 14. McLean Budden International Equity Segregated Fund (GDA) 15. McLean Budden US Equity Segregated Fund (GDL) 16. PH&N Overseas Equity Segregated Fund (H9F) 17. PH&N US Equity Segregated Fund (H9E) ....whew! SO MANY choices... I REALLLLLY don't know anything about those things... any tips as to what to pick, how to choose, etc... Thank you SOOOO very much for any help you could provide me with :)