<prompt> Human: Yeah, the title kinda says it all. My work has stuff like T. Rowe Prices International fund and Great West Lifetime funds. The Vanguard has low fees and index funds. Its a small amount 2,800, and I just started my works 401k. But since I expect to be with this company for a long time I would rather pile all my retirement assets in one place to compound more. What do you guys think I should do?  <response>: IRAs are more flexible and typically have lower fees. Is there a problem with maintaining two accounts? 