<prompt> Human: So I just started a Roth IRA through my FA with American Funds. Im in mid 20s with 5.5k invested thus far. This is class C shares- so no loads. However the expense ratio is quite high at 1.52. Seemed like a good call at the time until I started reading this sub. My question is: Since I maxed out 2014 contribution, should I just wait a year, pull out and get into vanguard to max out 2015 contribution? Its a 1 fee if I pull out in less than a year. I have the cash to max out 2015 now ... so I would be missing out on any potential gains not invested. I am just trying to think of the best solution.Thanks!  <response>: Its a 1 fee if I pull out in less than a year the expense ratio is quite high at 1.52Vanguard has expense ratios below .2, so it still seems a good deal to transfer your Roth IRA over now. 