<prompt> Human: My fiancee and I are both medical residents with combined income of 100k. We have our emergency fund set 6 months of income, maxed out our individual Roth IRAs 5.5k each Vanguard, target date fund, no loans, and having excess of 1,500 month. The money is just being saved up in our Ally savings account 1.75. Hospital sponsored 403b return on investment is abysmal 10 yr average: 1.27 for residents; required 4.5 of my salary contribution w 3 match.We have no scheduled big purchases coming up until the end of residency in 4 years: will continue to rent 1755, SoCal and cars are functional. What should I do with the additional funds? I know that the recommendation is to take advantage of the retirement accounts, but is it worth it to put money into such a conservative account? The idea would be to put it into the 403b with the hopes that I can roll it over when I get a new job after residency. The other option is to use post-tax money and invest, but get taxed on the earnings Im guessing I just buy more target date funds from places like Vanguard?. What do you guys recommend I do? Thanks! Edit: 1. Unfortunately, I cannot pick where the 403b is vested in. Residents are considered temporary employees so we only have one investment at 1.27. Full time nurses, attendings have the standard target date funds which I would like to put my money into. 2. I already put the minimum amount 4.5 to maximize hospitals match 3.  <response>: If your returns are low in your 403b, it may not be invested properly or at all.You need to log into the account, and make sure the money is pointed at something reasonable, and not just sitting in a settlement fund. 