<prompt> Human: Im just starting out and getting my 401k choices set up. My employer matches up to 3,000 if the employee deposites 5,000 on a yearly basis. Its 100 for the first 1k and 50 thereafter.Most of the fund choices from Fidelity seem to be pretty expensive based on the suggestions online. Would it be foolish to just allocate 100 to the very cheap SP 500 index fund? Here are the funds and their gross expense ratiosThe other option is to just put it in the Target 2050 fund if the rate is not considered too high?I am simultaneously opening a Roth IRA with Vanguard and was just going to use their target date fund as it seems pretty expensive. I suppose I could compensate on the Vanguard end for maybe more bonds or something to get closer to the recommended 10 for my age?tl;dr -- Thoughts on going all-in on an SP 500 Index fund when the other options are mediocre  <response>: Not everything is Vanguard; those ERs look pretty standard.If it fits what you want to do with your portfolio then there is nothing wrong with investing 100 in the SP and balancing that out with the rest of your retirement accounts Roth IRA. 