<prompt> Human: I am a 35 year old small business owner, I make around 175k a year and I put about 35k a year into a SEP IRA to save for retirement. I currently have 140k in the account. It is professionally managed and this year I will pay about 1800 in management fees to the firm that manages it.Since I opened the account in 2011 the total return is -4.13. Looking around at what the market generally and vanguard funds have done in this same time period it seems like -4.13 is an extremely shitty rate of return. On top of that Im paying an extraordinary amount for that shitty return when I could be paying way less than half of that if I just threw it into some Vanguard funds.So 2 questions really, should I ditch the firm managing my money, and if I do is throwing it all into a vanguard target retirement fund a good idea or should I be looking somewhere else?Assistant: How the hell did anyone manage to go -4 since 2011. That simply does not compute. Ditch the advisor and go vanguard target date.Human: vanguard target dateTarget date funds always underperform. e.g. The Vanguard 2045 has a 10 year return of 5.48 versus Vanguard Total Stock which is 7.4 for the same period. Its a huge payback for doing a little research.Assistant: So you recommend total stock over target retirement? Do you not feel there is some benefit to the auto rebalancing of the total retirement fund as I get older and older?  <response>: Be careful with taking stock tips from strangers on the internet. 