<prompt> Human: I have just recently set up an account with TD Ameritrade with the intent of investing 250 or so to start with a pay in of 20 or more every two weeks with my paycheck.At this point I am a student 20 years old and will continue to be for at least another two years before I start my career. I am currently working part time making between 5,000 and 7,500 a year.I have no outstanding debts aside from student loans so I would like to get ahead in regards to investing for retirement long term with this account. I have read a few articles and the majority seem to recommend EFTs or Mutual Funds.Your guidance on this issue is appreciated.  <response>: Assuming you can meet the account balance minimums, pick whatever low expense-ratio index funds they offer. Check out the Bogleheads 3-fund portfolio 