I would try to get funds below the mean (but) ... I'll pay a little more to get a superior fund.

Cost is a consideration but you've got a breadbasket of considerations.

They're doing well because they don't correlate to the stock market.

During times of hardship people find happiness in simplest pleasures

Both destiny and free will exist simultaneously. You are destined to be given some opportunities but it is up to you whether to pursue them or not

Am I good enough?
Trust.