<prompt> Human: Im looking to place it somewhere to make more money.Ive spoken with an investor at my credit union and he suggested keeping 90 days in savings, and investing the rest in mutual funds divided evenly between small cap, large cap, bonds, and emerging markets.Seems like a good idea, except he takes either 500 with 1 each year, or 0 up front and 2 each year. If Im handing over 20k, that seems like quite a hefty chunk being taken out.Should I look elsewhere to invest? Or are there other options in where to put my money?Assistant: Holy shit, 2?!Get. The. Fuck. Out.Theres enough free information out there here and elsewhere to point you in the right direction. I personally recommend checking out some of the Vanguard funds, as many are essentially the same as more expensive ones and they have some of the lowest fees. Like, tenths of a percent. Also key is to read up on IRAs: assuming youre young, max out your annual Roth contribution 5k.edit I used your instead of youre. I deserve 6 lashings.Human: yeah I should be maxing out my 401k easily. Im contributing 12 each paycheck.  <response>: 401k is not the same as IRA. 