thank you very much, heavysnow!

Is this one good? five stars with low expense ratio. http://quicktake.morningstar.com/Fund/Snapshot.asp?Country=USA&Symbol=FLVCX

their representative has suggested this one. what is your opinion?

http://quicktake.morningstar.com/Fund/Snapshot.asp?Country=USA&Symbol=FCNTX

Many thanks!!!

Allianz is not an option for me.

what about lincoln financial group or american funds?

Sorry for so many questions!

thanks a lot for your help and kindness.

I probably will pick one or two out of the 3 MFs.