<prompt> Human: So, my gf of 5 years just got her first full-time job and it has some pretty sweet benefits as far as retirement savings goes. Shes got something like 2600 a year towards an HSA and, if she contributes 4, theyll match that and add an addition 5 on her pension contributions. FYI, she makes 37kyearHowever, I sat down with her to look at the investment options and, in terms of expense ratios huge factor for me, they kinda all suck. The options are below. Dodge and Cox Stock Fund0.52Domini Social Equity Fund1.25Fidelity Spartan SP 500 Index Fund - Advantage Class0.06Neuberger Berman Genesis Fund - Investor Class1.03Fidelity Contrafund0.74American Funds EuroPacific Growth Fund0.86Fidelity Small Cap Discovery Fund1.05Obviously, the clear winner for stock is FUSVX, but, since its Advantage Class, the min contribution is 10k, which will take 3 years to work up to. Whats the best strategy here? If the FUSVX initial investment werent so damn high, Id suggest putting all her pension into that and opening a IRA to diversify with bonds.Also, am I looking at these fees too closely or something? I have a Vanguard Roth IRA and, compared to the Vanguard funds, these options fucking blow. EDIT - I dont have her papers or anything in front of me at the moment, but Im going to look up whether its a 403b or 401a and report back.  <response>: Do the min contributions still apply even though its going through a pension plan? They usually dont for 401k plans. For example, I can invest in VINIX which has a minimum of 5mm normally 