It's Black Friday – a day of deals, but also impulse buys that only look like good deals. On this occasion, I want to warn of a hidden game within the mutual fund arena – yet another “auto-pilot” part of the multi-trillion-dollar investment business, where investment Advisors / RIA’s allocate money to mutual funds that are rated 5 stars by Morningstar, yet by and large, massively underperform. It would boggle your mind to know how little investment analysis / “kicking the tir