[MRM]

I just re-read your last post. 2% to put you into mutual funds?!!?!?!?!?!?! So you can pay him a fee to give you the privilege of paying the mutual fund managers fees? You have access to every no load mutual fund in the world all on your own. DO NOT PAY THIS PERSON A DIME! If you insist on getting into mutual funds, do some reasearch on your own and buy it direct from the fund. Look at Morningstar.com. You can do your research and buying online. That way at least you're only paying the mutual fund's fees. The best bet is still buying an S&P 500 index fund because their fees are the lowest. The lower the fees, the less gets taken out of your investment, leaving you with a better return. A juicy prospectus showing a 20% yearly return before fees, but a 4% return after fees doesn't do you much good. Less fees = better return for you.