<prompt> Human: Im only 19 so Im completely new to this whole investing thing. I wanted to start a Roth IRA so I went through the whole process and decided to put 200 a month into a random fund that they picked out for me. Next thing I know its down 10 and Im worried that I picked the wrong website or the wrong investment, and I feel like I should have waited to talk to a real person rather than go through the motions like I did. I guess Im just wondering: How do people normally pick an investment? Should I stay with sharebuilder? I have an ING Account so I figure itd be easier...  <response>: How do people normally pick an investment?I recommend reading this: Should I stay with sharebuilder? I have an ING Account so I figure itd be easier...If they have low cost index funds 0.30 expense ratio and no front-end load or transaction fees then I would stick with them. If their fees are beyond what I mentioned, Id recommend going to a company with good low-cost index funds, like Vanguard, Schwab, or Fidelity.Also, when you invest in stocks, expect your investment to fluctuate, up AND down. This in itself is not something to be worried about. You have probably 40-50 years until retirement, and fluctuations simply wont matter practically speaking to you for a long time. Investing in stocks over the long term is the best way to grow your investment. So dont sweat it when things tick downward -- if anything, buy more stocks then, because you can get more of them at a cheaper price. If you panic and sell when the market is down, you violate the whole concept of buy low, sell high, and youll be screwing yourself. 