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any ideas?

I just read the book, "The Bogelheads guide to investing" and it is pretty readable and a good place to start for beginning investors. A lot of people here have also read it so you can ask questions here about it when you need to.

i am so confused!

Sometimes the most confusing thing is knowing where to start. The book mentioned above will explain why but you want to start out by looking at index funds because they will always have lower costs. The Vanguard or Fidelity total stock market index funds are a good place to start.

The costs are so important because over time they really add up, even if it is just 1% per year. For example if you are 45 and live to be 95, then some of you money will be invested for 50 years!. If someone is charging you "only" 1% per year, then over the 50 years that is about 50% of your money(more or less, the math gets a bit funky). In addition to any load or fee that you might see listed in the plan literature, there can also be hidden costs that are hard to track down.

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