$20k is not a lot of money to pick individual stocks. I personally will put in it international index and avoid any management fee. The transaction fee for index fund is usually lower.
Min Initial Investment: $3,000
Year to date: 7.92% return
Top holdings:
Vanguard European Stock Index 58.17%
Vanguard Pacific Stock Index 26.13%
Vanguard Emerging Mkts Stock Idx 15.66%
