<prompt> Human: Before knowing much about investing, I signed up for Ameriprise my moms adviser to start a ROTH IRA. Nothing crazy. He put me in FESGX. Done and done.As I start doing more research, the mutual funds expense ratio seems a bit high 1.86. I began researching Fidelitys FUSEX and it looks like something Id be interested in...and the expense ratio is way less .09. When I asked my adviser about switching to something with a lower expense ratio, he gave me a shuck and jive answer...after which I still dont understand why Im in the higher expense ratio fund.Im pretty sure he must get a commission for putting me in that mutual fund, but before I throw him overboard, are there any valuable reasons why I should stick with Amerirpise to handle a simple ROTH IRA? Am I missing something between FESGX FUSEX?EDIT: All good advice, everyone. Thank you. The reason I went with this guy is my mom has a lot of money managed by him and Im starting to get that When I die talk... from her. It makes sense for her to use him but Im nowhere near that point yet. I still plead with her to meet with a fiduciary to review her Ameriprise account but alas, tis a losing battle thus far.  <response>: The difference in Expense Ratios is 1.77. If your investments yield 1.77 less than the benchmark, you will loose... a large whopping chunk of your wealth by retirement. :Math:5,500 per year in contributions for 40 years at assumed 3 real growth yields 414k. The same at 1.23 yields only 282k. Youd lose 132k, or 32 of your wealth. 