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type="text/javascript"> /* <![CDATA[ */ cmg.query("ul.cmSiteNav").cmfullwidth(); /* distribute the primary nav items asap to stop the pop */ /* ]]> */ </script><div class="cmCol9 cmFirst cmLast cmClearfix"><div class="cmPencilAd"></div></div><div class="cmCol9 cmFirst cmLast cmClearfix"><div id="cmAlertBar"></div></div><div class="cmCol9 cmFirst cmLast cmClearfix"><div class=""></div></div></div><div class="cmSubHeaderWrap cmCol9"><div class="adgeletti-ad-div" id="adgeletti-ad-div-HP00-0px-infinity" style="display:none"></div><div class="adgeletti-ad-div" id="adgeletti-ad-div-HP01-0px-infinity" style="display:none"></div></div><div class="cmBodyWrap cmCol9"><div class="cmCol6"><div class="cmBreadcrumb"><ul><li><a href="/web/20130619105042/http://www.clarkhoward.com/">Home</a></li><li>  >  <a href="/web/20130619105042/http://www.clarkhoward.com/categories/personal-finance-credit/">Personal Finance & Credit</a></li><li>  >  <a href="/web/20130619105042/http://www.clarkhoward.com/categories/personal-finance-credit/investing-retirement/">Investing & Retirement</a></li></ul><div class="adgeletti-ad-div" id="adgeletti-ad-div-PB00-0px-infinity" style="display:none"></div></div><div class="cmTimeStamp"><p>Posted: 11:09 a.m. Sunday, Oct. 24, 2010</p></p></div><h1 class="cmLargerH1">Investment Guide: Intermediate Investors</h1><h2 class="cmLargerH2">Our "Intermediate" guide for those with more investment experience</h2><div class="cmToolBox"><ul><li><script type="text/javascript" src="https://web.archive.org/web/20130619105042js_/http://w.sharethis.com/button/buttons.js"></script><script type="text/javascript"> var switchTo5x=false; if (typeof stLight != 'undefined') { stLight.options({ publisher: "c05913fd-d628-465f-b30e-89feef788ec7", embeds:'true', onhover:'false' }); } </script><span class="st_email_hcount" displaytext="Email"></span><span class="st_facebook_hcount" displaytext="Facebook"></span><span class="st_twitter_hcount" displaytext="Tweet" st_via=""></span><span class="st_sharethis_hcount" displaytext="ShareThis" st_via=""></span></li></ul></div><div id="cmArticleWell"><div class="cmRelated"><h3 class="cmRelatedHeader">Related</h3><div class="cmModule"><a href="https://web.archive.org/web/20130619105042/http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/clarks-investment-guide/nFZK/" onclick="fire_omniture_event(cmg.s_coxnews, 'event10', 'Clark\u0027s Investment Guide');">Clark's Investment Guide</a></div><div class="cmModule"><a href="https://web.archive.org/web/20130619105042/http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/beginning-investors/nFZM/" onclick="fire_omniture_event(cmg.s_coxnews, 'event10', 'Investment Guide: Beginning Investors');">Investment Guide: Beginning Investors</a></div><div class="cmModule"><a href="https://web.archive.org/web/20130619105042/http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/advanced-investors/nFZN/" onclick="fire_omniture_event(cmg.s_coxnews, 'event10', 'Investment Guide: Advanced Investors');">Investment Guide: Advanced Investors</a></div><div class="cmModule"><a href="https://web.archive.org/web/20130619105042/http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/sample-low-cost-investment-options-dollar-amount/nFZL/" onclick="fire_omniture_event(cmg.s_coxnews, 'event10', 'Low\u002Dcost investment options by dollar amount ');">Low-cost investment options by dollar amount </a></div></div><p class="cmCredit"> By Clark Howard </p><p class="cmSource"><a href="https://web.archive.org/web/20130619105042/http://www.clarkhoward.com/" rel="nofollow" target="_tab"> ClarkHoward.com </a></p><div class="cmArticle cmOembedContainer"><p>As an alternative to a "one-stop shop" like a <a href="/web/20130619105042/http://www.clarkhoward.com/news/news/personal-finance-credit/investing-retirement/beginning-investors/nFZM/">target-retirement fund</a>, you can fill your Roth account with index funds or mutual funds of your choice. <br/><br/> An index fund is a cousin of a mutual fund where you own all or almost all of one particular kind of investment. The most popular of all is the "500 index." It holds within it little pieces of the 500 largest companies in the United States. <br/><br/> But there are also tons of other choices. Here are some examples: You can own a mid-size company index; a small company index; an international index; an emerging market index (think Third World countries); a government bond index; a corporate bond index; a real estate index fund and on and on. <br/><br/> If you decide to build your own portfolio, don't bet the farm on any one sector of investing. The younger you are, the more stock oriented you want to be. The older you are, the more bonds you want to have. You can make it ultra simple with just three to five index funds or go crazy with as many as 15. <br/><br/> The core of any index should be the Total Stock Market Index which mimics the total United States stock market. Again, I have some samples for you, but if you want to build an index-oriented Roth, take your time and make sure you are extremely well diversified regardless of age. <br/><br/> If you want to use mutual funds instead of index funds, you will pay a higher annual management fee -- about three to five times more. The fees are stated as a percent of the money you have invested. An index fund should cost as little as .09 percent to .30 percent per year. The average mutual fund costs 1.5 percent per year although you can build a great portfolio at .5 percent to .8 percent. Over time what seems like a tiny difference from fund to fund can make a huge difference in how much money you have to spend in the tens of thousands of dollars. Here are some sample low-cost index funds that I like. <br/><br/></p><hr/><h3>Index Funds</h3><p><br/><strong>TIAA Equity Index</strong><a href="https://web.archive.org/web/20130619105042/http://www.tiaa-cref.org/public/performance/institutional/profiles/1833.html" target="new"><br/>tiaacref.org</a><br/>Invests in approximately 3,000 companies <br/><strong>Expense: </strong>0.09% <br/><strong>Mininum investment:</strong> $2,000 to open IRA; $ 2,500 for general account (or $50 if you start an Automatic Inv. Plan). If your balance is below $1,500, you will be charged $25, unless you invest at least $100/month in an automatic investment plan.</p><ul><br/></ul><p><strong>Vanguard Total Stock Market Index</strong><a href="https://web.archive.org/web/20130619105042/https://personal.vanguard.com/us/JSP/Funds/Profile/VGIFundProfile0085Content.jsf?tab=0&FundId=0085&FundIntExt=INT" target="new"><br/>vanguard.com</a><br/>Invests in approximately 3,400 companies <br/><strong>Expense:</strong> 0.18% (other fees may apply) <br/><strong>Minimum investment:</strong> $3,000 minimum to open an IRA; $3,000 minimum to open an investment account</p><ul><br/></ul><p><strong>Vanguard Star</strong><a href="https://web.archive.org/web/20130619105042/https://personal.vanguard.com/us/JSP/Funds/Profile/VGIFundProfile0056Content.jsf?tab=0&FundId=0056&FundIntExt=INT" target="new"><br/>vanguard.com</a><br/>Invests 35% in bonds and 65% in stocks using a basket of Vanguard funds <br/><strong>Expense: </strong>0.37% <br/><strong>Minimum investment:</strong> $1,000 minimum to open an IRA; $1,000 minimum to open an investment account</p><ul><br/></ul><p><strong>Schwab Total Stock Market Index Fund</strong><a href="https://web.archive.org/web/20130619105042/http://www.schwab.com/public/schwab/investing/investment_help/investment_research/mutual_fund_research/mutual_funds.html?path=%2fProspect%2fResearch%2fMutualFunds%2fSummary.asp%3fsymbol%3dSWTSX" target="new"><br/>schwab.com</a><br/>Invests in 4,000 companies<br/>Expense: 0.09% <br/>Minimum investment: $100</p><ul><br/></ul><p><strong>Schwab International Index Fund</strong><a href="https://web.archive.org/web/20130619105042/http://www.schwab.com/public/schwab/investing/investment_help/investment_research/mutual_fund_research/mutual_funds.html?path=%2fProspect%2fResearch%2fMutualFunds%2fSummary.asp%3fsymbol%3dSWISX" target="new"><br/></a><a href="https://web.archive.org/web/20130619105042/http://www.schwab.com/public/schwab/investing/investment_help/investment_research/mutual_fund_research/mutual_funds.html?path=%2fProspect%2fResearch%2fMutualFunds%2fSummary.asp%3fsymbol%3dSWISX" target="_blank">schwab.com</a><br/>Invests in 350 publicly traded companies from selected countries outside the U.S. <br/><strong>Expense:</strong> 0.19% <br/><strong>Minimum investment:</strong> $100</p><ul><br/></ul><p><strong>Schwab Small-Cap Index Fund</strong><a href="https://web.archive.org/web/20130619105042/http://www.schwab.com/public/schwab/investing/investment_help/investment_research/mutual_fund_research/mutual_funds.html?path=%2fProspect%2fResearch%2fMutualFunds%2fSummary.asp%3fsymbol%3dSWSSX" target="new"><br/>schwab.com</a><br/>Invests in the second-largest 1,000 publicly traded U.S. companies<br/><strong>Expense:</strong> 0.19% <br/><strong>Minimum investment:</strong> $100</p><ul><br/></ul><p><strong>Fidelity Four-in-One Index Fund</strong><a href="https://web.archive.org/web/20130619105042/http://personal.fidelity.com/products/funds/mfl_frame.shtml?31634R109" target="new"><br/>fidelity.com</a><br/>Invests 48% in 500 largest stocks, 12% in rest of U.S. stock market, 25% in international stock index, 15% in bond index <br/><strong>Expense:</strong> 0.23% <br/><strong>Minimum investment:</strong> $2500 minimum to open an IRA; $10,000 minimum to open an investment account</p><p>聽</p><p>聽</p><p>聽</p><ul></ul></div></div><div class="cmToolBox"><ul><li><script type="text/javascript" src="https://web.archive.org/web/20130619105042js_/http://w.sharethis.com/button/buttons.js"></script><script type="text/javascript"> var switchTo5x=false; if (typeof stLight != 'undefined') { stLight.options({ publisher: "c05913fd-d628-465f-b30e-89feef788ec7", embeds:'true', onhover:'false' }); } </script><span class="st_email_hcount" displaytext="Email"></span><span class="st_facebook_hcount" displaytext="Facebook"></span><span 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