<prompt> Human: So, Im planning on switching to Vanguard from Primerica due to the up-front fees and annual fee that Im paying. My advisor, who is also my aunt, tells me that the fees wont matter in the long run since this is supposed to be a long-term bond investment and when it comes time for me to start taking out money, the gains would be so high that it would out-weigh the fees that I paid. And, if I leave now, all those fees would have been for nothing and thats just money that I have lost. I cant tell if Im being guilt-tripped since shes my aunt or if its a legit thing to consider. What are your opinions on her reasoning?Also, since my Vanguard account is a taxable account, would the taxes on the capital gains be bad enough to the point where I should just stay with Primerica? Once I move over my money, Id have 10k in the account and will set up automatic monthly payments into the fund. I dont believe Im getting taxed on my current Primerica accounts. And I dont fully understand that tax process on capital gains. Im looking at the realizedunrealized gains section on my funds page, but Im not entirely sure what Im looking for to estimate how much Ill be taxed. As a very inexperienced investor who is looking to make smart money moves while Im young 26 yo, Id really appreciate some advice! Thank you so much!UPDATE: Thanks for the advice everybody! Im for sure gonna switch. If you guys have any other advice that would be greatly appreciated too. Thanks again! :  <response>: Please take your money out of Primerica. They are a MLM company. 