 percent commission on the amount i put in and then there's nothing like on the interest or whatever i make in the account but i just want to make sure it's not something dumb well it's up to you and also know that nothing is final and forever you can do it hire them and go all right they're going to manage the investments and five years down the road if you feel like you know what i'm going to take this on myself i i know what i'm doing then you can do that but you've got to realize that there's a lot more