<prompt> Human: I have recently decided to start investing my money and since I use USAA for banking I am considering using their investment tools and mutual funds to start. My question is where these funds rate in the pack. Are they above average? Should I try elsewhere? The convenience of using my bank and the online tools provided seems really nice, but I am worried that its just too easy.I am also unsure which funds to invest in if I use USAA. I am willing to accept risk to grow my investment but how much is too much? The agressive funds sound like they could really be good but I am so inexperience that I dont really know how to go about doing the research to pick the investment strategy that is right for me.Im learning and I am picking up some good peices of knowledge but asking questions is a good way to get the information you need. If there are any good tools out there to help a newbie like me learn that would be amazing too.  <response>: I started out with USAA mutual funds for my Roth IRA. This was before I wised up. Now through USAA you can purchase Fidelity Funds at no cost. I just made the switch to their 2055 target fund FDEWX which is much cheaper than USAAs 2050 fund. 