<prompt> Human: So back in May of 2013 I opened up a Roth IRA with Waddell Reed Ivy Funds. I had a financial adviser recommend it and I only had to contribute 25 per month so I thought itd be harmless enough.Fast forward to today Ive so far put in a total of 950 in to the account but the account is only worth 740. Going back through the records it seems as if some of the money was eaten up by Low Balance Fees and Annual Account Management Fees which I was told about neither. Ultimately Ive lost money in the three years Ive had it and Id like not to lose any more.I also no longer live in the US and do not know if I will move back.So, I want to take out that money and use it to help pay off my last student loan. Im trying to understand the rules and regs on this. I didnt earn anything on the account despite there being occasional capital gains listed on the line items. So, overall, I didnt earn anything - is this accurate? If so, does this mean I do not owe taxes? Would I still need to pay the 10 early withdrawal fee? At the very least Im thinking of stopping the monthly direct debit of 25.Any and all advice is welcome.  <response>: You can and probably should roll this money into a better Roth account without these fees. But the balance is low enough that you can just take it out and then contribute the money to a new IRA instead of the hassle of rooling it over.So no, dont keep your money here. But this is a broader question about how you are contributing to your retirement plan, so its a much more involved question as to where this money should go when it comes out of here. 