<prompt> Human: I have recently started a new job and when picking my 401k allocations, many of the target funds have 0.43 expense ratio. Is that considered decent? I know that many of the low expense funds that one can use in IRAs are closer to 0.18.  <response>: Big index funds generally have expense ratios under .3 or so. .43 isnt terrible, but its high enough that you should look at what constitutes the fund to be sure you arent buying garbage. 