Medium to high risk vanguard funds have done very well for me and since they are index based it is much lower risk than just day trading. http://www.mrmoneymustache.com/2011/05/18/how-to-make-money-...
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Do you pay a fee for them?
Vanguard fees are about as low as they get in the business. They are not one of those companies that sell an easy, computer managed fund, and then charge you 4 times the market rate in fees for it.
The sleaziest I have seen was 401k providers that actually offer funds that have very low fees, and then it's the provider itself that tacks on their own management fees that are many times the size of those of the index fund. Yikes.
There is an interview with the founder of Vanguard in this video:
http://www.pbs.org/wgbh/pages/frontline/retirement-gamble/
The video is all about investing in your 401(k). Highly recommend watching.