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Wow, Fuskie, thanks for all your insight. I'm so new to this, at least now I recognize the words, even if the concepts are still a bit fuzzy. :) But I'm studying as fast as I can!

I'm going to print out your reply so I can figure it out over time. I think meanwhile I'll use the Target Retirement funds. I can always re-allocate things next year after I've learned more. I just want to move the IRA now, because I finally noticed they've been charging me a $20 annual fee all these years (Primerica Shareholder Services). It's all the ex-husband's fault. :O

Thanks for all your help. These discussion boards are so useful!

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