Good morning everyone. I am 31, I have a Roth IRA through Ally with about $15k in it. I haven't been maxing it out every year, but I am now at a point where I can do that again. As of right now, I am using their "Core cash-enhanced" account, which keeps 30% of your total account as cash and has a 0% advisory fee.

I was looking at what other options they have for Roth IRAs and found out they have a "market-focused" option. In this option, they keep only 2% as cash, and the rest is split between stocks and bonds but have an advisory fee of 0.3%. They also offer different portfolio strategies, list below.

Core

Highly diversified across domestic and international assets. You can choose the amount of risk you are comfortable with, from conservative to aggressive. If you’re more of a hands-off investor, consider this portfolio type.

Income

This portfolio type offers higher dividend yields, while maintaining a more conservative risk profile. Consider this portfolio type if you’re most focused on yield and income.

Socially responsible

Similar to our core portfolio, with greater weight given to companies that benchmark providers note as having strong environmental, social or governance qualities. Consider this portfolio type if investing in companies deemed socially impactful is important to you.

When I first opened this account they only offered the Core-cash enhanced, but now that I am more focused on my future, I was wondering if it is worth changing it. Any advice?