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Little girl stacking her coins.

Amid the last-minute RRSP dash, it's a question many are pondering. Should I invest in mutual funds and pay the fee they charge for a professional money manager; or are index-mimicking exchange traded funds - with their lower fees - the way to go. How about just buying stocks and bonds directly with an online broker to really save on ongoing fees?

We took a look at all three options and tried to reach some conclusions in this one-hour discussion with Gail Bebee on Tuesday. Gail is a personal finance and investing writer who aims to help Canadians better manage their money. She recently published the second edition of No Hype – The Straight Goods on Investing Your Money, her popular book on investing basics for Canadians from the viewpoint of a savvy financial industry outsider. An honours graduate of the Canadian Securities Course, she also teaches courses on investment planning and speaks frequently on personal finance topics.

And for more ideas on saving and investing, check out our 29 Ways in 29 Days to be a better investor series.

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