<prompt> Human: This might be old news for some of you, but I just learned that Fidelitys series of Freedom Funds are available in both the actively managed and index varieties, with significant differences in cost.For example... The Fidelity Freedom 2040 Fund FFFX is an actively managed fund, with a 0.77 expense ratio. The Fidelity Freedom Index 2040 Fund FBIFX is, well, an index fund and has only a 0.16 expense ratio. Thats nearly one-fifth of the cost.A comparison also shows that in this case, the index fund has performed better than the actively managed fund. Of course, past performance does not predict future returns!The index versions of the funds have been available for some time in employer-provided accounts 401ks managed by Fidelity, however, they were opened up to all investors in 2014. Ive been in the actively managed version for years, and had no idea that the index version was an option!I assume that for my Roth IRA, its a no-brainer to switch over to the index version? There wont be any tax implications since its a Roth, correct?  <response>: I assume that for my Roth IRA, its a no-brainer to switch over to the index version? There wont be any tax implications since its a Roth, correct?Yes and yes. 