<prompt> Human: I have about 28,000 in a Roth IRA through Fidelity right now. It is my only IRA. I currently have 100 of assets invested in their Fidelity Freedom 2050 Fund which has an expense ratio of 0.82. Vanguards comparable 2050 fund has an expense ratio of 0.18. Would it be wiseworth it to transfer my IRA from Fidelity to Vanguard to take advantage of the lower expense ratio? I plan to keep contributing the max yearly amount for the next 30 years or so. Additionally, Im unclear on what sort of fees, if any, I will be charged by Fidelity or Vanguard, for that matter to make this transfer.Thanks in advance for your help.  <response>: If you want to continue using a target retirement fund, then it is worth it to switch.If you want to build a portfolio of low-cost index funds, you could either switch to Vanguard or use Fidelitys low-cost Spartan index funds. 