<prompt> Human: Hello all, thanks in advance for any help you can provide. So I changed jobs last year from the private sector to a state agency. My previous job provided a matching 401k option that I paid into for several years, but since the state agency I moved to does not offer a 401k option, I moved the funds into a Rollover IRA while I decided what I would do with it. Currently there are no fees involved with the IRA, but it is not making money either, just sitting there looking depressed. I am interested in investing into an Index FundBond portfolio through Fidelity using the IRA funds because of the higher possible returns and lower fees, but am concerned that moving the money will result in significant penalties and taxes, since I am only in my early 30s. Is this going to be the case? Should I just start having Fidelity manage the IRA funds, accept the fees and save up for the money to invest in the IndexBonds that I want to purchase? BTW, the total amount is 15000Thanks again!  <response>: You can invest in those funds within your IRA. An IRA is just a type of account. To keep it simple, Id just pick the Fidelity Freedom Index Target Date fund that most closely resembles your desired retirement timeline. 