Let's look at the past performance of the funds mentioned so far, plus intermediate term government bonds (VGIT), international stocks (VTIAX), and very long term government bonds (EDV) to see how they compare.
My big concern is not GUNR, it is MLPZX. Why did Financial Advisor (FA) put you in MLPZX? MLPZX has an expense ratio of 1.11%, which is just too high. I also notice that it has done more poorly than most other investable assets over the past four years or so. Why is FA selling now? If it was a good idea in the first place, shouldn't FA be buying more? If it was not a good idea, why did FA put you in it in the first place? Why is FA selling now? Is FA just a performance chasing moron who has no idea what will do better in the future, but is happy to use your money to buy high and sell low, giving you less money? I feel you need to scrutinize FA most of everything here. MLPZX with an expense ratio of 1.11% does not seem like a good idea, and selling likely at a loss drives home the stupid point.
GUNR has an expense ratio of 0.47%, which is a little high but not extreme. A rational person might be able to make a case for it, but the question is, is your financial advisor a rational person? More scrutiny, and an emphasis on low expenses and a buy-and-hold mentality, is advised.
