Originally Posted by will76

don't ask GFY you going to get shit like "gold!!!" or one or two specific stocks. What is it invested in now? It's not sitting there as cash.

What is your risk tolerance? Do you want to gamble or play it safe? do you want to try to get 8-10% return with risk of losing principle or something safe with little to no risk but smaller returns. You first need to find out what YOU are looking for before you can decided what you should do. Find someone local that does financial planning and sit down with them... The commission on a 40K IRA is next to nothing, any reputable company is going to steer you right, for that matter any one licensed is going to do you right. They will educate you, you make the final decisions. If they fuck you, they can lose their license, they not going to do that over for several thousand dollar commission, much less a couple hundred dollar one.

Coming to GFY...