If you don't feel comfortable managing your own money, then you should talk to a professional and get a helping hand. But that helping hand can be expensive.

If you want a full service securities broker to handle your account, expect to pay 1.5% to 3% of the assets under management.

Some full service brokers will also hit you for trading commissions along with the fee, or just charge commissions on any and all transactions. This can become very expensive and may lead to under-performance of your portfolio.

Remember, the more you're charged, the higher your investment needs to grow to overcome expenses.

A registered investment advisor could be a cheaper alternative if your portfolio is worth $500,000 or more.

Typically, an advisor will charge only 1% on the first million and less on the next amount. But be sure you ask if the fee includes transaction costs.

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