This is a newbie question. I have Vanguard account, almost all in 3 index funds, and I can clearly see how much Vanguard is charging me for everything (not much) and I understand what index funds do. I also have TIAA-CREF through my employer. I seem to have dozens of individual components to my portfolio, I don't really understand any of them, and I can't figure out how to tell how much they are costing me. Any help? I did talk to a real person last year. He mostly tried to sell me some sort of insurance. Sounded like a terrible deal.