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Most investors are probably familiar with the most basic kind of investment account, the kind where you simply the fund the account with a bank draft or wire deposit and you decide on your own what investments you want to commit money to. Every now and then, you may require some assistance from a broker and want to bounce an idea off someone, and for those privileges, you'll pay an extra fee. These accounts are known as discretionary or self-directed accounts because the account holder, you, is calling all the shots and if you're an independent investor that has a lot of experience, these accounts are the way to go.

Don't worry if you're an investor that wants a little more service with his brokerage account. There are plenty of options out there and we're going to discuss some of them here. Or if you like the feel of trading, but don't have the time to watch your investments on a minute-by-minute basis, we'll talk about automated trading as well.

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