You are 25 years old and looking at starting an investment fund using mutual funds as the vehicle to invest your money. Tell me what type of funds (three different funds would seem right to begin) you will invest your money for your financial future (percentage in each).

1) You should not only talk about the fund types in which you would invest but also whether you would use no-load or load funds and closed-end or open-end funds.

2)Please, explain your reasoning for your investments.