<prompt> Human: So Ive been telling myself for the past several months that I need to stop using my financial planner and switch to low cost index funds. Finally have some time to really think about things and actually do it. My question is, should I leave the money in the funds that they are in now, as Ive already paid fees on them, or switch everything over?  <response>: You probably will pay more fees in the future. You cant get back what you paid before, but you can make it so you pay less in the future. 