But Joe Average knows diddly squat about the market. He’s got a few grand put away and keeps hearing that mutual funds are paying far more than the savings account at the bank. Even more than CDs the same bank offers. He doesn’t want to go to night school just to invest his nest egg and don’t even mention T-bills, bonds, commodities, or anything complicated. He thinks investing in gold is Franklin Mint Gold Commemorative Coins. Everybody tells him that mutual funds are the easy way, even the Mayor. Let the pros handle his money because he doesn’t know how, besides , everybody’s doing it.