<prompt> Human: Im a 22 year old teacher in Hutto, TX and I currently have two retirement accounts with Security Benefits or Legend Equities? not even sure.Security Benefit Life Ins Mutual Fund 403B7 with about 1,000andPershing Ftc Freemark Total Return ROTH IRA which is a bunch of different Vanguard shares? with about 5,700What freaked me out was and I cant find this info in any of the stuff they mailed me or online I think I remember the financial advisor saying that the fee was 2.75 for the Roth IRA.I guess my questions are, How do I bring the fee down? If that involves moving to a different company, how do I do that? Are there consequences to moving companies? Im so lost and freaked out now. Also, neither of these accounts have made anything since I started them in November 403b and April Roth IRA, theyve only lost money. Is that normal?Here is the list of providers I can use with my district: My district doesnt match for 403bs since theyre already putting money in TRS, which is crappy and useless. Thank you in advance for any help you can give me. EDIT: Wow, this blew up. Reading all the responses now, thank you all!Assistant: Relax, you are still young and only very little damage has been done, if at all. A fund list of the 403b would be helpful. You can have your IRA with any company you want.Human: Here is the fund list for the 403b. The first company I talked with wanted to do a variable annuity and I said no. The second company The Legend Group, which also seems to be Security Benefit based on what Im getting in the mail? I set up a mutual fund with. Im not sure what the fee is for my 403b, or where to find that info.  <response>: Smart, stay away from fixed annuities or variable annuities, these are not investment products, these are insurance products. 