<prompt> Human: The wellsfargo funds have performed poorly compared to the vanguard funds over the years and Id like to sell them to stop paying the fees and also have buying power while my vanguard funds of choice are lower in price. The wellsfargo funds are at like 1.5 returns or 5k right now due to the state of the market. Would this be a bad move?  <response>: In general, it sounds like a great move. But, not necessarily because they have performed poorly in the past, because past performance is not a good indicator of future performance. In fact, even if your Wells fargo funds did better in the past few years than vanguard index funds, I would still recommend moving them again, because past performance is no indicator of future performance. The reason you move them is because: 1. You want a more appropriate, diversified asset allocation maybe your current wells fargo funds are invested in narrow sectors of industry?2. You want to minimize expenses Your wells fargo funds have higher expense ratios andor sales charges AKA loadsBoth of these are great reasons to sell them and buy vanguard funds. Ideally within an IRA, if you dont already have one. 