<prompt> Human: I recently opened a Roth IRA through Edward Jones and I see that all of it is invested in a mutual fund with a 5.75 front load. If Im making 2 contributions per month it seems like an awful lot of my investment money is going out the window. Is this normal? Should I consider getting away from EJ? Thanks!  <response>: Should I consider getting away from EJ? Yes. You can do it for much less through Vanguard, Fidelity, Schwab, or other low fee providers. 