I'm not too concerned about RE right now, more along the lines of FI and not worrying about much financially when I'm older. I'm still new to the investing side of PF, especially Mustachian views. I've focused mostly on saving and reducing, I see that it's dumb not to be doing both.
Now that I'm discovering the folly of my youth and correcting those financial wrongs; I have a Roth IRA at my Credit Union that only pays 1.26% interest annually (it's basically a Roth IRA CD). Originally I bought into it some years back just to have access to that branches line of credit for a mortgage or car loan. Now that I've assumed I probably wont be using either of those aforementioned things, and have no need of $5500 making a pittance on interest. Should I roll this over into my Vanguard Roth IRA into target funds? Is it worth taking the hit on this money for the transfer fees and putting it into a volatile market, or should I just leave it alone?