Been doing some light reading on AGHTX on Reddit. Opened up a Roth IRA with my dad’s financial advisor when I was 21 with American Funds 2065 Target date. Watched Dave Ramsay when I was in college and looked for high performing mutual funds on American funds and found AGTHX, maxed it out in 2025 and now gaining more knowledge on the ER which is about 0.59, but somehow cheaper than 2065 target date at 0.64. I know about the front loaded fee which I remember being waved by my advisor when my dad and I sat down with him when we opened, and I just called AF to confirm it was waived and it is shown on my statements.
Should I transfer this Roth IRA over to fidelity (have a brokerage with them) and just invest Roth IRA in FXAIX with ER of around 0.015% keep AGTHX (makes sense to have a lower ER which could save me a ton of money right)
Just wanted to get some knowledge / advice before I pull the trigger and not know I made a wrong choice or mistake
Thanks!