What up FoolsI'm 22, a recent college grad, and basically don't know where to start as far as investing. This is what I'm thinking...Feel free to lend some advice.I have opened two accounts with Sharebuilder. One individual and one Roth IRA. I'll start with the Roth. I am thinking about putting 1,000 in the Roth right now, and 250 month to get to the max 4,000. Sharebuilder automatic investments are $4, and they charge a $25 IRA mainteance fee. Now, if I subscribe to the Standard monthly plan (which costs $12 a month, but is offered for $99 for a year subscription) I get 6 free automatic trades a month, plus they waive the $25 maintenance fee. After the 6 free auto trades they cost $2. Having the Standard subscription also gives a little more access to some tools and what not. Finally, I really don't have a clue in what I need to put in the Roth. I'm thinking VTI, SPY, AGG. Should I be more risky? I have about 1,500 a month to invest (1250 after the IRA). The small biz I work for currently doesn't offer a 401k, so what other retirement options do I have? I also want some money in some higher risk/reward situations? FYI- The 25 dollar IRA fee is also waived if I'm subscribed to the Standard program in my individual account.THANKS IN ADVANCE!