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Message: <blockquote data-quote="xoxo" data-source="post: 2686228" data-attributes="member: 208579">Hi all, I have no debt and saved enough for an emergency fund. I just recently opened a 403B account through Vanguard, and I have 10K to invest in anything. I can do more but I want to start slow. I don't have a finance background. I feel like you need a degree to know what's going. The market is complicated. I have two choices. I can randomly buy a mutual fund/stock from vanguard or give the money to a broker and have him invest it for me. My only problem giving the money to him is he'll take a chunk of it (pick the most expensive fund).???  If I do it myself, it could all go down hill too.??What advice can you give to a newbie?</blockquote>