I have $190,000 in a TIAA-CREF account, $152k of which is through my current job, and $37k of which is left over from previous jobs*. I believe I could roll this $37k into an IRA with Vanguard, thereby lowering my expense ratios and saving myself a good amount of money as the accounts continue to grow.
BUT here's my question. Am I losing out on accelerated earnings within the TIAA-CREF if I reduce the value of my account by $37k? I've tried to figure this out on my own, but haven't been able to. How does a person figure this out?
Another way of asking this question is "at which point do we really start to gain momentum?"
I'm 38, single, no kids. Income about $55k, maxing out 403(b) every year, and have been contributing to a Roth for the last several years (changing that over to a traditional IRA as of 2014 after reading more on this site).
*Breakdown of $37,000:
$5200 deferred annuity plan
$32,000 defined retirement contribution plan