<prompt> Human: Hi, intersted in opinions. I have 200k in 401ks consolidated into an IRA 0 account, sitting still. Im afraid of putting it into mutual funds market because of the impending interest rate increase and shaky economics. Our financial advisor wants to put it into an American Funds mutual fund, am I wrong for holding out due to the interest rate issue? Should I invest a bit at a time over the next 12 months? Thx!Assistant: Dont try to time the market.Historically, DCA performs worse than investing as soon as possible.Whats the expense ratio on the mutual funds?Human: How do I find the expense ratio? What I find online is: The net annual expense ratios for A shares and C shares is 0.68 plus a 5.75 front end load and 1.46, respectively.What I get from my financial person is: you would incur a 3.50 fee on the equity funds and a 2.50 fee on the bond funds. Your next point of reduction would be at the 250,000 value. This would reduce the equity fund fee to 2.50 and the bond fee would stay the same at 2.50.Assistant: So now Im just reading up on class abc re mutual funds, so obviously I have some more education research before moving forth. I have a primary 40-hrwk job, on top of helping w management of my wifes business and 3 kiddos in private schools, so I wont be actively managing things and things will sit for several years so a somewhat higher front end cost might make sense?.  <response>: No. It takes extremely little to manage a portfolio of index funds. Once you decide how much risk youre willing to take, you just sell a bit of one and buy some of the other every year to keep the ratio at your ratio.As a general rule, the fund managers do a lot of work but personal advisors to remarkably little work to the point that you can almost certainly outperform them with very little effort, especially if theyre overcharging you. 