<prompt> Human: Hello, my wife and I are opening up a ROTH IRA account and we are trying to decide what fund to invest in. We are going with Northwestern Mutual and here is what we can choose from:ABAmerican Century InvestmentsAmerican FundsBaronBlackRockColumbia ThreadneedleCredit SuisseDeutsche Asset ManagementEagleEaton VanceFidelityFranklin TempletonHartford FundsInvescoJohn HancockJP MorganMFSNaitixsNuveenOppenheimerPimcoPioneerPrincipalPFIMPutnamRussellHe suggested an American Funds growth account since we are only 24. Is that the best option or are one of the others better? Thank you  <response>: I thought Northwestern Mutual was similar to Edward Jones in that they invested you in fee-heavy funds with high expense ratios. Most of the readers here will suggest opening an account with Vanguard, Fidelity, or Schwab and managing the account yourself. 