<prompt> Human: Hi all, what are your thoughts in comparing the two target funds? The 2060 Fund has a higher ER .75 and the index fund has an ER of .08. Historically, do the actively managed funds outperform the index funds? Would the additional .75 be worth it and if so, can somebody explain to me how to calculate this? What else would you guys look at when comparing which one to do? Thanks! Happy holidays!  <response>: I would go with the low cost index fund.Historically active funds do not outperform the index. 