Where Should I Put My Money?

There's really three different ways you can think about putting your money to work. Fidelity, Schwab, and Vanguard are targeted retirement index funds with super low internal expense ratios. You could go about thinking, okay, I will build and construct my own portfolio. If you do it yourself or you hire a manager versus just buy into a growing economy by just buying the market, there probably are some pitfalls to watch out.