<prompt> Human: OGIAX is the Roth mutual fund that I have and Vanguard Retirement 2055 is the fund I have for my 401k  <response>: No, what you should do is stop investing in a load fund. Transfer your existing Roth IRA to a new custodian such as Vanguard, Fidelity, or Schwab. Stop throwing away money on high fees and sales commissions. 