Subject: Re: o/t, but it has been discussed here
or a high quality stock fund

I'm not sure if such a thing exists. Precious few stock funds have ever outperformed the S&P500 over the long-term. And choosing two or three funds out of tens of thousands is fraught with peril. Furthermore, sometimes when a fund outperforms the S&P for 10 or 20 or 30 years, it shuts down or stops accepting new money, or changes managers, etc.