<prompt> Human: Newbie here. Ive been contributing to my 401k for a little more than a year.My current employer offers a 401k plan through Fidelity and Im wondering what you guys thought about my choices. Im on the target date fund AF TRGT DATE 2055 R4 RDJTX.Looking at this earlier thread, it seems that there are other funds available with low expense rations like FDKLX, but I dont see that listed on my list of Investment choices. I currently see only 36 investment options on this list. Sorted by Fee, I see that my funds Gross Expense Ratio is 0.81, which I think seems rather high. Here is the full list of investment choices: Im unclear what I should do. It seems the latter the retirement date, the higher the fee. Should I be choosing the allocation on my own to avoid the fee entirely? Is this even possible?Thank you!EDIT: Employer matches 50 of 6 salary.  <response>: You actually have some good funds there. The ones you should look at investing in include:- Fidelity SP 500 Index FUSVX- Fidelity Extended Market Index FSEVX- Fidelity US Bond Index FSITXYou have no good international stock options, so youll need to get some international stock in your IRA.Dont use the Target Date funds -- youre right that they are too expensive. 