<prompt> Human: My employer is weird. They use a 403b instead of a traditional 401k.They impose a MANDATORY 5.5 contribution from my salary every year. I can not opt out of this. They also will not allow me to contribute more than this, so I cannot put away up to the 18k cap most can do in a traditional 401k.The tradeoff is, they match my 5.5 403b contribution with an 8.5 contribution, which is mind blowing. But ultimately, this mean I only get to invest 14 of my income really 5.5 instead of the full 18 I could get with a 401k. I have a Roth IRA as well that I max each year. Im a little unhappy with the frontload fees nearly 350 on the 5500 but the returns have been decent that I made back the fee in the span of 3 months. What else can I do to make sure I am investing properly given the oddity of my mandatory contribution cap of 5.5?Assistant: I have a Roth IRA as well that I max each year. Im a little unhappy with the frontload fees nearly 350 on the 5500 but the returns have been decent that I made back the fee in the span of 3 months.You should never pay up-front fees to invest. Whatever outfit you have your Roth IRA with, get out. Ask Vanguard, Fidelity, or Charles Schwab to have your Roth IRA transferred over to them, and start investing in inexpensive index funds.Human: Ugh, really? Im with American Funds. I just maxed out my Roth for 2017 so I paid the front load fees... The marketing for it was on point since it seemed like the expense ratios were way lower for the funds I would have access to if I paid the front load. I guess I screwed myself?  <response>: Load funds typically have lower expense ratios than no load funds, but index funds have even lower expense ratios than that. 