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What did you do with your money when you moved it to Dean Witter. Did you invest in their mutual funds? Did you leave it in a money market account? Did you buy stocks?

You have many options for investing your money. They do not have to involve a broker, especially a full-service broker.

The smartest thing to do is to do what is comfortable for you NOW. Read through the Fool School, and decide how comfortable you are making investment decisions.

If you want to invest in mutual funds, consider the recommended s&p500 index funds. The historical return is about 10.5% and you beat 80% or more of the other funds.

If you want to invest in stocks, try the Dow Dividend Approaches. These are mechanical screens and you spend very little time making decisions.

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