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You might want to check out some of the funds at T. Rowe Prices. They have no load funds and can take the money out of your account monthly and put it in the funds with no transaction costs. There are other places that will do that too (putnam, fidelity, guinness flight). That way you never are tempted to spend the money and it also helps with dollar-cost averaging to help with the volatility in today's market.

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