<prompt> Human: I recently rolled over my 401k into an IRA. I need some advice on how to manage the money in it. I can let Fidelity manage it for 1.1, but have no clue on if that is a good rate or not. I am very novice and up to now have always been very hands off on this money. Any advice would be greatly appreciated! I am leaning towards letting them manage the account, but would love to hear any other options I have. Thanks.  <response>: I can let Fidelity manage it for 1.1, but have no clue on if that is a good rate or not.It isnt. A Vanguard target retirement fund would cost 0.18 and would automatically adjust your allocation as you get closer to retirement age. 