Why don't you post the funds you have along with the ERs and get some advice? You don't have to put the $ amounts down, if you don't want to, but just the % of your total investments in that fund, e.g. 100K total and 25 in fund a with ER of .0001(just playing) so you post:
Okay, AJ, here you go:
I have about $80k total in the portfolio
Asset Class/Fund % of portfolio ER
BondIntermediate Term/PIMCO Total Return Ret Opt 16% 1.15%
Hybrid-Balanced American Funds Balanced Ret Opt 8% .9%
Hybrid - Strategic Allocation SeriesTA Asset Allocation Moderate Growth Portfolio Ret Opt 28% 1.43%
Large, Mid Blend Equity - Large CapAmerican Funds Fundamental Investors Ret Opt 11% .96%
SpecialtySSgA Emerging Markets Index Ret Opt $14,256.80 17% .99%
Vanguard REIT Index Ret Opt 20% .83%
Well, look at that, I unwittingly put some of it into the one with the lowest ER and it's an Index fund, to boot.
The ERs for all of the funds available range from .83% to 1.52%. In addition to the ERs charged by the funds, TA charges "Asset Based Fees" of .632% (this we only knew about this year because of the new law).
I was wrong about the performance of the Index funds (this adventure is really taxing my overworked brain); there are four offered and, two are performing very, very well and their ERs are under 1%.
Lastly, I do have retirement money socked away elsewhere (old 401k that I'm rolling into Vanguard Index ASAP, a Roth IRA and a Traditional IRA) - total of all retirement savings is only about $133k.
Fiveoclock, I promise to check out Bogleheads (mostly because I have fallen in love with Jack these last few weeks), etc. ;)