Which Roth fund?

[Otterwins]

Teacher here. My school retirement consultant told me that I should move my Roth IRA to a more aggressive account. I'm 48 with possibility to retire at 53. No dependents, and this account could sit for at least 10 years (possibly more). Currently has $33,000. (I also have a pension and other funds, but I want to grow this account as much as possible since my school does not contribute to social security.)

It's currently sitting in VSCGX.
https://investor.vanguard.com/investment-products/mutual-funds/profile/vscgx

Consultant recommended VGSTX (Vanguard STAR Fund), but the expense seems high (0.31% compared to 0.12%). https://investor.vanguard.com/investment-products/mutual-funds/profile/vgstx

He also recommended VASGX and VSMGX:
https://investor.vanguard.com/investment-products/mutual-funds/profile/vasgx
https://investor.vanguard.com/investment-products/mutual-funds/profile/vsmgx

Which would be best? Thanks for any insights!

[MDM]

Of those four, VASGX-Vanguard LifeStrategy Growth Fund would be the most consistent with Tax-efficient fund placement suggestions.

For Roth accounts, 100% stock is often recommended.  For example, VTSAX-Vanguard Total Stock Market Index Fund Admiral Shares.

[Rob_bob]

I don't use mutual funds so I can't really say which is best.  I'm sure you looked at the descriptions in the links.

The Star fund is an actively managed 60/40 fund. The other two have international stocks/bonds mixed in with                              VASGX being the most aggressive fund.

Running a back test on Portfolio Visualizer starting in 2002, which is as far back as it's data goes  VSCGX performed the worst but with the lowest volatility.  The Star fund performed the best with a CAGR of 7.01% followed by VSCGX.

However VTI, Vanguard Total Stock market outperformed them all with a CAGR of 8.99% and an ER of 0.03% but of course there is no bond component so if you need bonds you would need to find a bond fund.

There is a mutual fund version of VTI but I don't know what it is. Looks like it's VTSAX.

[FLBiker]

Personally, I'd also support using VTSAX (100% stocks) if that's available to you, particularly because you also have a pension (which I would effectively consider as a bond%).

[Must_ache]

Agree with the 100% stocks comment if you have a 10-yr time horizon.  You may want to adjust that five years from now, or not, depending on your plans for the $ at that time.

[Otterwins]

Thanks for all the replies! This makes sense - the account could even sit longer as I live off other funds (pension).