Thanks for the replies.
Yeah. The fees. I never had much money in them, but I have had them for about 15 years. I was steered towards American Funds, a Roth IRA and some whole life insurance by a financial adviser when back in my youth. I knew nothing about investing (still don't know much) so I thought doing something would be better than doing nothing.
Fast forward to last year. I started putting some money into the IRA and noticed the fees seemed excessive. I did the math over lifetime investing and the fees were quite high. And then I came across MMM and jlcollinsnh. The adviser I had took a page straight from his Part IX of the Stock Series.
Thanks again for the replies and many happy returns.