That's kind of a loaded question. Do you want bonds?; if so, how much of a percent of your portfolio? Do you want international stock? Would you rather have money automated in from your bank account every month, if so, then you need a traditional fund. If you want to diy, you can go with etf's or traditional. Is it going to be a taxable account, or a tax advantaged account (ira)? You may want to go through their advice & guidance section on the top of the main page to get some idea of your options.