Does anyone have suggestions about "socially responsible" investments in mutual funds?

[A HERETIC I AM]

5. There is a BIG drawback for the novice investor using firms like Vanguard and Fidelity....

and that is you get EXACTLY what you pay for.

Sure, low fees are great and all, but the fact is, total return is what matters, NET of fees.

If you pay .11% and realize 6% a year, what difference do the fees make if you can get 8 or 9% net of fees? Not to mention being able to get actual counseling as to what is best for you or what fund does what and which one does which?

I have seen many, many times on DU posters touting Vanguard as the be all to end all in Mutual Fund investing. The fact is, the reason their fees are so low is that they a) do very little trading in their funds, which makes them little more than glorified ETF's and b) if you want to actually talk to an advisor, you're either going to have to meet an account minimum (well into 6 figures) or pay for the pleasure outright.

Nothing is free. Vanguard does what it does very well, but they won't give you ANY GUIDANCE AT ALL unless you pay for it.

The fact is, most people do not have the time nor the patience to learn how to read a Morningstar Report and how to act accordingly.