I'm looking to put a small amount of $$ ($100 or so) each month into a Mutual Fund. Most likely funding an IRA - but I need to research IRA's before I make a final decision. I know this isn't a huge amount of money compared to other investors - but I'm just starting out, and I would add more money as i can over the next few years. I have about 14-15 years left in the military (if I decide to stay in?) and this money/investment would be used to supplement my retirement at that time. The problem is that I am scared to death about investing anything right now. We do have a small savings account that I would continue putting some money into each month, as this is used mostly for emergencies or "un-budgeted" expenses that we don't have planned out in our budget. Does anybody have any suggestions for me? Or can somebody share with me your investment strategy stories? Thanks for any info/knowledge!