<prompt> Human: I am thinking about starting a roth IRA with my bank one of the big banks and the financial advisor person says I should put my money 5050 in the Franklin Income Fund and the Franklin Rising Dividends FundIs this a decent place to put some money long term? Or are there better options? Or is starting an IRA through my big bank a bad idea? Am I total n00b? Any advice is greatly appreciated.  <response>: Way too high fee. Stick with Vanguard. 