<prompt> Human: So I had a windfall and Im looking at starting out with 200,000 in a Goldman Sachs online savings account best interest rate I could find at 1.05 and 75,000 in a CD Sallie Mae 5 year at 1.80. So Im gauging my returns and Im pretty happy with them as a starting point for my financial future. Now I know nothing about IRAs and mutual funds. Im specifically interested in investing at some point in a Vanguard mutual fund. What kind of returns should I be expecting? Ive read anywhere from 3-12 annually but I have no idea really. From what I understand theres no way to tell what my gains and losses could potentially be but I guess you just take that risk. Any tips for companies that offer the best funds? Any advice is much appreciated.  <response>: You may find these links helpful:- How to handle - Investing wiki pageI am a bot, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?torpersonalfinance if you have any questions or concerns. 