Call USAA's Financial Advice Center and ask them. They are very straightforward with the information, and can give you options if that particular fund isn't in your best interest.
They do not work on commission and are not pushy at all.
Also, before you call, I would go to usaa.com and search for "financial assessment" in the seach field at the top right corner. This will allow you to plug in information that may guide you to detour from investing entirely and go another route (annuity, live insurance, savings, etc)
If you have more than 10k to invest, check the rates on the Performance First Index Account while you're at it. It's a no fee savings account that starts at 10k and pays decent interest in the current pewpy economy. In the summer, USAA will often run CD specials that you might be able to set the money aside for and invest when they come around.