As this past April 15th rolled around, I was faced with the yearly task of funding my Keogh retirement plan. I often buy mutual funds. One year I might pick a high tech fund, the next a basket of retail stocks. This year I invested in health care. As any stock market analyst will tell you, once you’ve established your time frame, the next step is to diversify your assets. Buying a quality mutual fund allows you to diminish your risks -- one hopes that companies that perform poorly are offset by those that increase in value. While mutual fund returns are rarely spectacular, over the long haul, most tend to outpace inflation, which is all you’re trying to accomplish if you have a conservative retirement plan.