<prompt> Human: I know everyone here recommends to contribute to your 401 k only up to the employer match, and then to contribute to an IRA after that to enjoy more investment choices. My question is, if my 401k 6 employer match already has an option Im happy with target retirement fund with .08 expense ratio, would it be recommended to contribute to this above the employer match instead of an IRA?  <response>: Im in a similar situation. Its just a matter of convenience, Id just stick with the 401k. In fact I dont think you can get a 0.08 target date fund in an IRA, so you are even better of fin the 401k 