I'm trying to do some research on investments and I'm really targeting mutual funds as one of the investments we can explore. Luckily, I have a father in law whom I can ask about these things. He introduced me to a plan of Pru Life where you can invest on a minimum of 12k annually and just add more into it every year if you want to appreciate higher earnings. I got really excited about it and thought it would'nt hurt to try and invest with Pru Life. They also offer life insurance no medical questions plan as long as your age qualifies for a plan. I think that will be next move.