<prompt> Human: So my guy has invested my 25k into these funds: LIGRX LSVRX OAKIX OAKMX VNVAXMy whole portfolio should be allocated at an 8020 stock to bond ratio. Im also setup to put 500 into this portfolio at the beginning of every month. Im 25 years old and make 55,000 a year.I have another retirement plan with my employer to which I pay 7 of every paycheck to. This fund vests at 5 years of employment in 4 years for me at which point my employer will then pay 2 for every 1 I put in retroactively and will continue to do so until I retire or am no longer employed there. I believe I gain interest on this retirement fund too but not sure.My question to you all is - is this an ideal setup for retirement? Should I be doing anything differently? Like I said Im a noob at this. If you guys need any more details Ill be happy to provide them. Thanks.EDIT: Apparently my brokerage account is load waived so I really only pay 1 per year for management of my account, which is called a wrap account Im learning. Didnt know that until I read thru the agreement. Just thought Id throw this up here to clarify and prevent some of the initial sticker shock.  <response>: Honestly, dont feel bad about this situation. Consider this for what it is: a learning experience. Its better to have found out about this now rather than 25 years down the line when you realize that your advisor fleeced you for 500k. Do what others have suggested: pull out your money, use only passively managed index funds from now on, and pump as much savings in as you can. 