First, six months in an emergency fund is nothing. Bump it up to nine or 12 months. Many experts throw this 6-month number around, but it's not realistic. If, God forbid, something really adverse happens to you (job loss, disability, a relative needing help, etc.), you wouldn't survive with 6 months.
Second, go with ETFs and do automatic investment. The fees are way lower than on mutual funds, and ETFs give you great diversification. You're in your 30s, so you got plenty of time to enjoy double digit returns over, say, 20-30 years until retirement.
Second, go with ETFs and do automatic investment. The fees are way lower than on mutual funds, and ETFs give you great diversification. You're in your 30s, so you got plenty of time to enjoy double digit returns over, say, 20-30 years until retirement.