<prompt> Human: ive got about 40,000 saved up in an ing account, about 5,000 invested in various stocks and my roth ira maxed out for this yearid like to do something more than just have my money sit in the ing account--im thinking of taking 10,000 and putting it in some sort of ETF or mutual fund. is this a good idea?what else could i do? help me save my money reddit!!  <response>: I suggest in cases like this to go with Vanguard fundsETFs.If you go with Vanguard, you can probably get Admiral shares on whatever fund you pick. So the expense ratio should not be different between ETF and mutual fund. At that point, it shouldnt make much difference based on expense ratio.Typically, admiral shares and ETFs of the same fund at vanguard share most of their important properties, such as low costexpense ratio, tax efficiency, and closeness of tracking the target index.Though it should be noted that vanguard charges 20year fee on brokerage accounts when you have less than 50k assets at vanguard, and you need a brokerage account to trade ETFs. You can avoid account fees on mutual funds not the expense ratios at vanguard usually by signing up for electronic statements.There are also brokerages like TD Ameritrade that offer some Vanguard ETFs commission-free with some limitations. 