Just one other point. When you are studying Mutual Funds, make sure you look at the stocks that are held in those funds. I have found folks that think they have good diversification only to find that most of their funds held the same companies. I would suggest spending lots of time here and at Morningstar.com where there is oodles of great information. There are forums there also. Until you decide just what to do, start putting that money into savings. And remember to fund that 3-6 month emergency fund! If you are willing to do your own research, I am very happy with Scottrade also. Glad to have you here!
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