<prompt> Human: The expense ratio for the Vanguard Target Retirement 2050 Fund VFIFXaccording to their website is 0.18. That option Vanguard Target Retirement 2050 Ret Opt in my 401k is 0.93 Is there a difference in the funds, or what is the reason for the difference in expense ratio?Vanguard Website Screencap401k Website Screencap  <response>: The difference is that one pays your 401k operating fees and the other doesnt. 