For taxable investments, we recently stopped adding to our TIAA-Cref funds and opened Vanguard funds because we liked the lower fees better. We didn't transfer the old accounts because for now it just seemed easier to leave them.
In TIAA-Cref, we hold the following equities: TSALX (Lifestyle Aggressive), TSMLX (Lifestyle Moderate), TICRX (Social Choice), and we have TSBRX (Social Choice Bonds).
In Vanguard, we have VBTLX, VTIBX, VTIAX, VTSAX. The allocation is slightly more international, and slightly more bonds.
Now my issue: The vanguard account has only lost money since we opened it. Not a big deal- it is going to be a long term thing, I'm sure it will go up. (This is the US funds too, not just the internationals.) However, in the same period- we've made money with TIAA-Cref.
If TIAA-Cref is making us money, and Vanguard isn't- it doesn't matter that the fees are lower.
Would you stick with Vanguard for the long term? Or start putting our biweekly deposits in TIAA-Cref again?