Ok. I've attached screenshots that I hope can answer some of the questions, and below should help with the rest.
Average annual total returns 1 year: -5.32% 5 years: 6.64% 10 years: 9.08%
Total annual operating expense 0.96% or $9.60 per $1000
I believe I can change investments online without meeting.
Again, this is learning a foreign language to me so please let me know if there's other info that you need. I realize I'm not contributing a lot now, but that's to get out of debt, which will happen this year (finally.) I know that debt and emergency funds should be the focus before retirement/investing, but I just want to plan ahead and be more familiar with the terms when the time comes.
This is more of a what-would-you-do situation, so I'd like to hear your thoughts. Thanks.