<prompt> Human: edit: I got out of dodge.I am 28, a little late to the game, and just getting started with this whole investment thing. I intend to entrust some of my savings to a financial advisor, who has steered me toward two mutual funds: WSTCX Ivy Science Technology C HRACX Hartford Growth Allocation CMy decision to go with an advisor was so Id be able to start investing even while I am still learning, hoping to minimize my risk.Please let me know if more information is needed, but all Im really wondering is if anybody could weigh in on these choices of funds. The plan is to invest more heavily in Hartford over Ivy, according to her statement:We would be dollar cost averaging into both funds bi-monthly. The tech fund I would expect to be putting much less into versus the asset allocated fund.Ive read the Morningstar reports for both of these, though outside of the equity view it didnt provide much insight to my beginners grasp of the situation.Any thoughts?Thanks!Assistant: The expense ratios for those funds are astronomical 1.97 and 2.13 respectively, let alone the cost of the advisor 1-2 more probably. This person is not your friend, they are looking to maximize how much of your money they can turn into their money.With a modest amount of reading, you can be in a position to do this all yourself in a very simple way. And youll be avoiding the massively damaging effects of high expenses, which is what youre about to walk into.A 3 fund portfolio at Vanguard or Fidelity using low-cost funds will put you in a much better place with next to zero effort.edit: Human: Thank you for the details. I was very much looking for this kind of ammunition for our next conversation. For better or worse, the individual Im working with is a family friend. Or at the very least, a trusted acquaintance.Im definitely going to dig into these 3-fund options. Thank you again.  <response>: Just to hammer it home, try this... Go to the page below, and crank the expense ratio slider up to 3. 2 for the funds, 1 for the advisor. Look at how much you keep and how much you give away in 25 or 50 years on a 10k initial investment. Then crank it down to 0.18, which is the expense ratio of a Vanguard target date fund. Look at the difference.I wouldnt buy these funds from my own mother. The words friend, family and trust dont apply here. Its your money. Keep it that way. 