<prompt> Human: Hey guys, I am contributing to my Roth IRA for the year and I have a new personal advisor with the company. Up until now, I have always invested in individual stocks. Instead of investing in a individual stock, he wants me to invest in a mutual fund that contains the stock. I really have no interest in anything regarding personal finance or know really anything about it. I just put in my yearly contribution and move on. My goal in long term, I want to invest for my IRA every year and never look at it again until I am 70.The fund is STPCX and it has a net expense ration of 2.84. Everything I read said you shouldnt invest in anything with an expense ratio over 1. Does this seem like a good investment to anyone out there that has knowledge? How do I know if the financial advisor is just trying to push something? Are mutual funds better off for someone like me who just sticks it in and IRA and does nothing else with it?Any feedback would be amazing! Thanks!  <response>: It sounds like what you want is a target date retirement fund. Basically pick the closest year to when you plan to retire and put all of your money in it. It is invested in stocks and bonds and the closer you get to retirement, the more it weights towards safer investments automatically. Its literally a set it and forget it except for adding to it fund. If your brokerage doesnt have one of these, try transferring to Vanguard or Fidelity which both have them. 