<prompt> Human: My wife has a roll-over IRA from her old jobs 401k with Fidelity. Right now she has about 7k tied up in it, mostly concentrated in this fund:Ive never invested with an IRA before so Im wondering if I should keep the shares I have, or move into a more aggressive fund. I want the highest returns possible but I dont know what the rules with trading IRA positions is. I know I cant withdraw any of the money until she turns 59.5 but can I keep funds in a money market and then spread it out into different fundsequities?  <response>: Generally you can move money within an IRA from one security to another without any tax penalty as long as the money stays within the IRA. The cost of doing so with regard to transaction fees depends on where you hold your IRA, and what you are moving the money tofrom.I want the highest returns possible This kind of mentality is dangerous. Reaching for returns is never a good thing.The fund your wife is currently invested in is an expensive target date fund. Expenses are the enemies of return. She would be well-served to move her IRA money into a low cost, three-fund portfolio composed of index funds.Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your 401k and You: Basic Information and Your IRA and You: Basic Information worth a read as well. 