<prompt> Human: Ive been with my financial planner at Morgan Stanley for about 13 years. She has been really great to me, calling to check on me, reminding me to invest, teaching me about funds, giving me lots of sober advice. I feel lucky to have her because Im not a wealthy guy and normally her clients have much more money under management than I do I happened to get passed to her when my original advisor quit. My problem is Ive been learning a lot that makes me concerned Im not earning the returns I need to retire on time. For example, I found out my fees are 1.45 percent which is pretty high. I thought I could live with that because her guidance and advice is valuable to me. But Ive also learned that managed funds which is what she has my money in almost always underperform the market, like 90 of the time; a fund manager just cant reliably beat the overall market returns. And even if they do, they have to beat the market by a lot to also make up for that management fee they charge. Ive been learning about John Bogle and low-cost index funds and that really seems a way to shrink my fees drastically, while also earning steady market returns. My fiancé says I should just talk to her and tell her I want to do, and its just business. Im hesitating because I dont want to lose her as a resource, and I also wonder what if my managed fund happens to be one of the lucky few that does beat the market? Is there an easyunderstandable way I can see if my fund Trak is really a good one or just mediocre?Im concerned about making a mistake and because Im in my 40s, I dont have endless years to make up what Ill need in my 60s. Has anyone else made the move from high-fee managed funds to index funds? Was it a good idea? Anything I should know or do to not be sorry later?Thanks in advance for any advice or perspective!  <response>: My fiancé says I should just talk to her and tell her I want to do, and its just business. I agree. Do it politely, but firmly.what if my managed fund happens to be one of the lucky few that does beat the market?Ah, greed mixed with maybe Im special. You already know the answer to this and what you need to do.Has anyone else made the move from high-fee managed funds to index funds? Was it a good idea?Have you played with this tool before? Look at how much of your returns you get to keep after 25 years with a 1.5 expense ratio compared to a sub 0.10 expense ratio. 