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I'm currently rolling over a crap 403b from Axa into Vanguard 403b. My Axa account is 90% stock with most being large cap growth funds. Anyway, I'm trying to pick vanguard funds. It crossed my mind that I should roll some into funds that are currently low - like vanguard energy. Bad idea...

I'm a teacher and have about 50 k in a 403b with Axa. Unfortunately they are raping me on fees. I have since stopped contributing to this account and started a Roth with vanguard. What can do with my 403? I'm 33 and am not planning on separating from my current employer so I think an Ira...