<prompt> Human: So I am 24, and debt free. I have saved up about 25k extra cash ignoring some reservesemergency funds. And I was advised to put my money in the following.Franklin Income APIMCO Investment Grade Corp AI am 99 sure I wont need to touch this money for over a year, and probably longer than that. I did some research on them myself, and they seem alright. I am just curious if there is anything important I should know about them.  <response>: Who gave you this advice? Franklin Income A has a 0.64 expense ratio mid to high and a 4.25 sales load 4.25 of any money you invest is gone immediately as a fixed cost. PIMCO Investment Grade Corp A has a 0.90 expense ratio high and a 3.75 sales load.Dont buy these funds, or take investment advice from any one person. Do your own research, and most importantly, dont invest in anything you dont understand.To start reading, see this link from the sidebar: Long-Term Investing Start-Up Kit 