You’ve probably heard about all of the Wall Street mutual fund scandals, so you may be nervous about a commissioned salesperson talking about your retirement. But there are other alternatives out there. You can invest in commission-free investments that help you meet your retirement goals on automatic pilot. You don’t need a commissioned salesperson at all. Three of the finest investment houses in the country are competing for you business. There are: Fidelity, Vanguard and T. Rowe Price. In each organization’s case, you pick a date for when you want to retire, and the company does the work for you. Fidelity’s auto pilot program is called the “Freedom Fund,” Vanguard calls its the “Target Retirement Fund” , and T. Rowe Price’s is the “Target Date Retirement Fund.” And these companies change your mix of investments over the years based on how old you were when you started the account. As you near your retirement date, the choices get more conservative and less risky. So, they do the homework for you and it’s a one-stop shop. That’s not to say there is no risk at all. But if you’re okay leaving your money in the hands of these well-respected companies, it will cost you very little in fees and the return is likely to be a nice one.