why don't we start with arzella in ohio. hi. >> caller: hi jim and boo-yah to you. >> boo-yahoria to you right bam. >> caller: i'm trying to get a better insight on mutual funds and "a.i." would like to know are they a great way to diversify. >> got to tell you here's the problem. a lot of people have 401(k)s where you need mutual funds and you can't pick individual stocks and for that they are and what i like to do is have 20% international, 50 -- i'm a little bit older, 50% growth. the rest will be kind of a balanced situation, maybe a fund that has some bonds. you have to depend on your outlook and your age, but, yes, mutual funds are fine. try to look at some of the performance records in morning star that's what i use. glen in louisiana. glen? >> caller: how you doing, my man? >> what's up? >> caller: nothing. i'm asking you today for some simple advice. i'm 65. i'm retired, and i'm needing to keep my portfolio directed towards yield and a little bit of growth. >> okay. >> caller: i'm fairly diversified, but i'm -- i'm