By way of disclosure, my DW and I have IRAs with Vanguard and we are quite satisfied with them.If you were to transfer the IRA to Vanguard you will have a large number of funds to choose from both indexed and managed. The chances are you will find the fund's expenses significantly lower with Vanguard since they are well known for their no load, low expense funds.OTOH if you transfer the account there may be a closing fee charged and perhaps some back end loads charged.The specific funds choses are a different issue and I will leave that discussion to others.Bob
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