I have an IRA in a large growth fund that is rated 3 star by Morningstar. Since 1999 it has consistently been below the S&P index and the large growth category avg., however, it currently has a 13.25% YTD growth.
Additionally, the fund is sold only through contractual plans offered by independent investment professionals and banks which adds to its cost.

I think I should move it and would welcome some general advice on the subject.