mutual funds were created by the banks to make money for the banks number one. They use the mutual funds like governments use slush funds for the banks gains not yours. Traders working for the banks to make money for the banks trading account .Mutual funds get stuck with stocks on the way down from the banks trading accounts. When mutual funds loose money it is not the bank who looses it is the people who invested in the mutual funds. money manipulates the market, and the banks traders have billion to do that.