Is There a Dud Fund?

In many ways, there probably isn't such a thing as a dud fund. There are appropriate funds and inappropriate funds but to say thit's objectively a dud is just wild. I have to make a choice, and this i altin. Choice pro e, choice, bro. But there's risk, like there would be a risk. We'll give an example. Colonial first state. Lots of people have a a model portfolio managed by a financial adviser that's been kicking goals forever. Just because they're a member of that trustee they get a letter to say, your funds rubbish Because one option under the trustees model didn't make the cut on the gover list.