<prompt> Human: I received an inheritance of around 100,000 about 2 years ago as the title states. Im financially literate in dealing with day-to-day finances, but dont really know much about investing, so I decided to leave the money with the guy my relative used at UBS bank. He encouraged me to keep the money with him invested in an aggressive portfolio since I was in my mid-twenties. I figured that since my relative used this guy, and he knew more than me, keeping the money with him was my easiest as most responsible decision.So I left the money in the account out of sight - out of mind and figured I would have a nice retirement nest egg for the future. The investment officer told me that he generally doesnt deal with accounts as small as mine, so he suggested that I transfer over my existing Roth IRA of about 7,000 from Chase Bank where it was steadily growing value to a new Roth IRA at UBS. He also suggested I take 5,000 from the investment account and put it into the Roth IRA that opened up at UBS with my funds from Chase the maximum amount for the tax year. So now, my finances were roughly 95k in an investment account and 12k in a Roth IRA, both with UBS.I spent the next year and a half away from home and didnt look at my mail. Out of sight, out of mind, remember? Well, a few months ago I finally flew back home and checked all of the old mail. It looked grim. Over those 2 years the value of both accounts originally 112k had dropped as low as 68k!! It had recovered a bit from that low point, but not much. Along with the pile of old statements, I also received a notice from a few months prior that my funds manager was dropping my account and I was being transferred to a generic UBS fund. At this point, I felt incredibly sad and depressed that I had been so careless with my inheritance. Now Im feeling quite lost and despondent about it. I feel like I got cheated and I dont know what to do with the remaining money. I know that Im still somewhat young late twenties and high-risk accounts are just that - high risk, but it seems like this drop in value is absurd. The current value of my two accounts at the time of writing this are 71k and 8k ouch!. Where do you guys recommend I go from here? I am willing to pick up some books on finance if that will help, but I feel like I need to move my money before it loses more value. Im not confident in the future of the US economy and I feel like stocks are a rip off, especially after seeing so many people lose everything in 2008. I think my best choice from here, is using the remaining money as a down payment on an investment property duplex or triplex because I feel that is the safest investment. What are your thoughts?Thanks for reading. Any input is appreciated.  <response>: ... invested in an aggressive portfolio Find out what investments are in your accounts.Look in their prospectuses, which are documents you can get online.See if there are any front-end load fees. And check what the annual net expense ratios are. Report back to us.---My guess is that you are invested in things that make the UBS guy some money based on their fee structure. Its also possible that a lot of trading or changing of investments is happening, called churning. Its also possible the aggressive investments are high volatility or very narrow in scope and happen to have lost money.You can transfer your accounts to another provider. Its called trustee-to-trustee transfer. In the taxable account this might involve realizing your capital losses which affects your taxes. In the retirement account it doesnt cause any tax consequences. Maybe find a custodian for your accounts that isnt going to be so costly, and use an approach to investing that brings with it more moderate cost and an asset allocation that allows you to sleep at night.---Edit: I see you may want to put your money into a single real estate property. This is not diversification, but some people do make money by investing in real estate. Some people lose money. Whatever you decide to invest in, it makes sense to me that you do some reading about how to cut costs and limit risks. 