<prompt> Human: Hey guys, wanted to get some opinions on a dilemma Im having. Some background: Im in my mid twenties. I was really fortunate to get into a good job in the tech industry and have a high paying position. Over the last few years Ive maxed out my 401k, and I have no debt aside from a small, low interest car loan I want to keep open to build credit with the goal of getting a mortgage in the future. In addition to this, Ive saved a fair amount of money over the past three years 100k that I would like to invest. My parents have a similar amount of money invested with a financial manager. Ive seen their accounts and it seems theyve done very well. They have encouraged me to invest my money into the same account. On the other hand, a friend of mine in the same industry as me has strongly recommended I invest on my own as the 1 fees for management are very damaging in his opinion. However I dont really have the first clue about what type of accounts to put my money into, and Im very nervous to put 100k into any possibly risky investment. Whats my best move guys? My inclination is to just go with the financial management my parents use. Edit: thank you all so much for the advice. I will look into just investing on my own. I appreciate everyones thoughtful comments and will consider all your feedback. Thanks so much to this sub and the positive impact its had for me.  <response>: Your situation is not special or unusual and most financial advisors have motivations that are not in your best interests. You can get all the advice you need right here. Ive seen their accounts and it seems theyve done very well. Average 8-10 growth of their account over the last couple years. US stock market is up 20 this year and 15 per year over the last five years. So that isnt very well. I have no debt aside from a small, low interest car loan I want to keep open to build credit with the goal of getting a mortgage in the future.This makes no sense. You should build your credit history for free by using credit cards responsibly. 