Mutual Funds

I am interested in investing mutual funds and would like to know which is the best company that sells mutual funds that beat the market?

My question is Can I withdraw money from a mutual fund without any kind of penalty?

People seem to be saying different things and I can't quite understand it. So are mutual funds a good retirement investment? Or is my money better invested in specific stocks. Do I get a money manager?

I have been getting recommendations to not buy a mutual fund and instead to index using an ETF. It seems to me that this way the way it works is that I buy the entire S&P500 index and then match ...