<prompt> Human: I currently have a Roth IRA account with fidelity. I am 29 years old and have been investing in a target date fund. I want to look into some other mutual funds with fidelity but Im not sure what to do really. Any advice?  <response>: If your Target Date Fund is the Fidelity Freedom Fund, and not the Fidelity Freedom Index Fund, switch to the Index version for about 0.5 expense ratio savings.Otherwise, stick with the Target Date Index Fund. The expense ratio is low enough that there is very little incentive to run your own portfolio.Good luck. 