<prompt> Human: 401k is moving from Vanguard Target Retirement funds to JPMorgan SmartRetirement funds. The ER is 5 times higher and they all look like stinkers to me.However, they claim Historically, JPMorgan SmartRetirement funds, net of investment fees, have outperformed the Vanguard Target Retirement funds. Im not really understanding what net of investment fees means, but is that statement true? Should I be as worried as I am about this change?  <response>: What theyre claming is that:JPMorgan Returns - JPMorgan Fees Vanguard Returns - Vanguard Fees 