mutual fund有很多種，可能是股票，也可能是債券。

stock mutual funds can classified based markets (emerging market, european markets, chinese ...） or sectors(financial, energy, material, large cap, small cap ect.).

Bond funds have different classes too, government bond, international bond, municipal bond, corporate bond ect.

If you want you can QQH me your holdings, I will take a look for you.

Also， if you want to check how good is your daughter's account, you need to calculate percentage gain, not just absolute value. 最好還看一下波動情況，同樣掙5萬塊錢，如果每天或每月上下波動很大的話， 就說明你的風險比較大，跟穩穩實實掙來的5萬是不一樣的。