<prompt> Human: Id really like some third-party opinionswake up call on whether or not my IRA Roth is shit and needs to be moved to VanguardSchwabwhoever. I dont know anyone whos actually knowledgeable, and of course, everyone else is trying to sell you their stuff. I hate thinking aboutspendingworrying about money, and want some straight info from strangers on the internet who enjoy this stuff. Background: 30, work full time, no carstudent loanCC debt only a mortgage, shared with hubs. Have an emergency fund, etc. etc. Checked the FAQs, but theres no youre being hosed parameters.I have an American Funds Capital World Growth and Income Fund CWGIX, I put in 200 each month. I decided to Check Transactions, and it looks like Im losing about 11.50 to sales charges. Is that the tax Im saving through having a Roth IRA, or is that straight-up thanks for the cash, heres our little off the top.Ive had the account since 2008, and the total gain has been 37xx.00, so Im not down, but if Im losing more money than I need to, someone just say so. My investment personality is pretty risk-averse, but I dont want to shoot myself in the foot by putting my money in a place that wont do much for me. I also have a 403B with TIAA-CREF which Im pretty happy with. This looks to be split TIAA-CREF lifecycle 2040 fund and Vanguard Target Retirement 204050 Fund Investor Class, but is managed by my employer.So: -Keep the American Funds, its fine, stick my head back in the sand-Move them into TIAA-CREF fund I am maxing the employed contributions here already-Move the IRA into another IRA heard great stuff about Vangaurd, low fees, etc.-OtherThanks for your time, personalfinance!  <response>: My investment personality is pretty risk-averseTBH, its actually not, considering that youre investing in a portfolio that guarantees you a 5.75 loss the second you put money into the account. The YTD return on that portfolio is only 5.42. The load is so high that youre surrendering more than a years return in the up front fee, to say nothing of the additional .8 loss.I dont want to shoot myself in the foot by putting my money in a place that wont do much for me. Youre rolling backwards right now...The TIAA-CREF fund isnt great, either. Vanguards targeted retirement funds are fine. 