<prompt> Human: Hey everyone, Im 24 and just opened an Ira with fidelity. The thing is I have no idea what fund to invest my money in. Right now Im looking for something with a low expense ratio and I will not be actively trading with the account. Im leaning towards the extended market index fund. Any other suggestions?  <response>: I have a brokerage account with fidelity, so Im not sure if you can purchase ETFs in their IRA but I would recommend ITOT total US stock market fund at 60-65 of account. IXUS total international fund at 20-25 of account. Lastly, AGG Core U.S. Aggregate Bond at 5-10 of your account. All are commission free so that will be a big help.If you can only buy mutual funds I would go with FSTMX US fund, FTIGX Int fund, and FBIDX Bonds. With the mutual fund, they have minimums and different classes of the same fund, so you just need to see what is the cheapest fund class you can purchase within your IRA. 