<prompt> Human: Ive been contributing to a ROTH IRA at my local state credit union for several years now. Basically since I graduated college and got a job. I was dumb and naive and just opened the account because it was the smart thing to do. The account pays 1.5 in interest each year, but Im just now beginning to learn that maybe my retirement investment should be earning more than that. Is that so? And, if it is, what should I do with this moneyhow can I move it?Additional: I still have a 401k account from a job I held a few years ago. I think it has maybe 2k in it. What should I do with that money?Assistant: Yes you can transfer, and its easy. The easiest way would be to pick a low fee broad-index fund something like Vanguard Total Market Index would be an obvious choice. Go to the mutual fund companys website, and click their Open an account link. This will walk you through the application process, and they should ask you if you want to transfer an existing account; just follow the instructions, and call their 800 number if you have any questions.Human: I guess a better question I should have asked: is it worth it to transfer? Do these funds typically pay a higher interest rate over time? Whats a good target rate, anyway? I just feel like 1.5 is maybe a little too safe.  <response>: 1.5 is very safe. For some risk, you could earn about 7 a year, but bear in mind that means you could be up 20 in one year and down 15 in another, but over the long haul itll be up. As youre 30, youll have plenty of years ahead to ride the ups and downs so theres no need to time the market. Also, no need to kick yourself for earning 1.5 and being diligent towards savings. A lot of people havent saved anything, so its not like even though it was in that type of account that it wasnt doing anything for you, but it certainly wasnt maximized in the way it could have been. 