<prompt> Human: Hello I currently have a thrift savings plan account which is provided for from the military. I have 9k In the Roth IRA. I have been contemplating transferring it to a vanguard ran roth IRA Has anyone had any experience with their product variety. Currently in the tsp I am not invested in any of the life cycle funds. I am invested in individual sectors such as foreign, government bonds, small and large cap stocks. Thanks in advance.  <response>: First of all, you cannot roll your TSP over to an IRA while youre still in the military. You can only roll it over after you separate. Second, you dont want to transfer your money out of the TSP. The TSPs investment choices are all you really need to successfully invest for retirement, and the expenses of the TSPs investments are lower than anything you can get on your own, even compared to Vanguard who is one of the leaders of low-cost investing.Vanguard has a great selection of low-cost index funds, Target Date and static portfolio funds, as well as many other types of investments. They are one of the recommended IRA providers here on rpersonalfinance alongside Fidelity and Charles Schwab. However, since you have access to the TSP and are not currently maxing out your contributions, I would not open an IRA at Vanguard at this time.One last nitpick: your money isnt in a Roth IRA right now, its in the Roth TSP. Roth is just the term for the type of tax treatment the account gets; the are such things as a Roth 401k, Roth 403b, and of course the Roth TSP. 