<prompt> Human: Hi rpersonalfinanceI have some money around 10k or so invested in various shares and funds today. Ive had these for a long time and theyre not really doing too well, and from what I understand after reading this subreddit for a while is that the types of investments I currently have isnt too good in the long run. And now I want to change that.I have a meeting scheduled at my bank on Monday. I was hoping to ask what they suggested but since Im aware that banks are looking out for their best interests no pun intended and not mine I would like to ask what I should ask to make sure theyre not screwing me over. Like what kinds of fees I should ask about and such, and other things I might not know about.I would ask you guys directly what you think I should invest in but since I live in Sweden I may not have the same options when it comes to investing? Since Im 19 and dont know too much about finances Im just trying to make sure they dont take advantage of my ignorance, any and all thoughts and advice are appreciated. Thank you!  <response>: Virtually all bank employees and investment advisors are sales people. You want to invest, and they want to make sure you pick their funds that expensive load fees and high expense ratios. Stay away from anything actively managed. Edit: Just saw youre from Sweden. It may be different there. If you can get into an index fund from Vanguard, youre on the right path. 