Originally Posted by DreamerSD23

Open up an account with Fidelity or Charles Schwab.

If you buy their version of S&P and bond indices, they don't charge you commission.

So do this:

* Open up a Fidelity account

* Contribute to your investment account

* Buy 90% IVV, 10% AGG

* Hold and don't sell

* Don't day trade

If you pay a money manager about what to do, they would tell you exactly this.