consider reading 'random walk down wallstreet' -Malkeil and "The only money book you will ever need" - Andrew Tobias
If you don't know any better I suggest you start with vanguard.com or
http://www.tiaacref.com/ as they are mutual companies owned by their customers and only sell funds with low expense ratios, specifically Index funds.
Janus I have nothing against or for. I suggest that you check out the expense ratio they charge. If it is higher than 1% you need to justify your decision. If you see so called 12b-1 expenses understand that they are a rebate to whoever sold you the mutal fund shares. Janus also is using the tactic of creating multiple funds targeting small classes of stocks, guaranteeing that something will have an excellent performance aat any given time.
The inheritence will allow you to avoid most cap gains taxes if you decide to switch.
BTW which funds are you invested in?