They are index mutual funds that you trade like stocks. They are the best way to start a portfolio. Go with 80% ETF (I like international ones right now) and 20% bond fund. Stick with your employer's 401k program or a Roth IRA until you max them out each year. Save using this plan: [ http://www.fool.com/News/mft/2004/mft04031807.htm ] and combine with my advice above. And if you have a question about high energy physics, I can help you there too...
- John
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