<prompt> Human: I have always saved my money and barely ever made large purchases. I would like to do more with my money that just have it sit in the bank. Is investing in mutual funds a good way to save for retirement. If so which type of mutual fund should I invest in? Also is there any questions I should ask the advisor to make sure I am not getting screwed over?  <response>: Also is there any questions I should ask the advisor to make sure I am not getting screwed over?Ask if theyre fiduciary. If they even stutter in answering, immediately walk out.Ask for quotes of expense ratios and any and all fees and get it on paper. Ask about loads and if they get commissions from selling you certain funds.Dont make a decision or sign anything while youre there. Just get information and get it in writing. Make your decision at home.Edit: And dont look into anything or sign anything that you didnt explicitly ask for. Dont let them try to sell you whole life insurance or any crap like a high-fee money market fund that you dont need. 