<prompt> Human: Hello, I am currently saving 7 per pay check into my 401k. My employer does not match any contributions. I feel I have chosen decent funds but I am not 100 sure. Below are the funds I am currently investing into:10 Invested - FDGFX Fidelity Dividend Growth 0.64 expense25 Invested - MSPIX Mainstay SP 500 Index 0.40 expense20 Invested - MMUJX Mfs Utilities R4 0.76 expense10 Invested - VEIPX Vanguard Equity Income Inv 0.30 expense25 Invested - VFIFX Vanguard Target Retirement 2050 Inv 0.18 expense10 Invested - VTSSX Vanguard Total Stock Market Index Signal 0.05 expenseAny advice is welcome. I would like to maximize my investments and not pay much in fees. I will post my fund options in a post. Thank You.edit: These are the funds I have available. American Century Global Gold Inv BGEIX 11.21American Century Heritage Inv TWHIX 26.29American Century Zero Coupon 2025 Inv BTTRX 88.22Amg Yacktman Fund Srv YACKX 24.81Blackrock Global Allocation Inst MALOX 22.07Blackrock Latin America Inst MALTX 59.43Columbia Acorn International Z ACINX 48.63Delaware Corporate Bond Inst DGCIX 6.11Dodge Cox International Stock DODFX 46.75Dreyfus Technology Growth I DGVRX 49.29Fidelity Dividend Growth FDGFX 37.96Fidelity Money Market Trust: Retirement Money Market Portfolio FRTXX 1.00Franklin Growth Advisor FCGAX 70.14Franklin Natural Resources Advisor FNRAX 44.14Jp Morgan Mid Cap Value Inst FLMVX 37.83Mainstay SP 500 Index I MSPIX 46.21Mfs Utilities R4 MMUJX 23.57Northern Emerging Markets Equity NOEMX 12.12Oppenheimer International Bond Y OIBYX 6.17Pear Tree Emerging Markets Inst QEMAX 24.50Pimco All Asset All Authority C PAUCX 10.35Royce Pennsylvania Mutual Inv PENNX 14.68Schwab Health Care SWHFX 26.02T. Rowe Price Financial Services PRISX 20.91T. Rowe Price Media Telecommunications PRMTX 72.16Templeton Foreign Small Companies Adv FTFAX 17.93Tiaa Cref Social Choice Eq Instl TISCX 16.68Vanguard Balanced Index Signal VBASX 28.60Vanguard Equity Income Inv VEIPX 31.75Vanguard Global Equity Inv VHGEX 25.06Vanguard Growth Index Signal VIGSX 47.29Vanguard Inflation Protected Securities Inv VIPSX 13.64Vanguard Intermediate Bond Index Signal VIBSX 11.47Vanguard Intermediate Term Us Treasury Inv VFITX 11.29Vanguard Lifestrategy Conservative Growth Inv VSCGX 18.80Vanguard Lifestrategy Growth Inv VASGX 29.07Vanguard Lifestrategy Income Inv VASIX 14.84Vanguard Lifestrategy Moderate Growth Inv VSMGX 24.20Vanguard Long Term Us Treasury Inv VUSTX 12.16Vanguard Mid-Cap Growth Index Inv VMGIX 37.70Vanguard Mid-Cap Value Index Inv VMVIX 34.09Vanguard Reit Index Signal VGRSX 28.96Vanguard Short Term Federal Inv VSGBX 10.74Vanguard Small Cap Growth Index Inv VISGX 34.66Vanguard Small Cap Index Signal VSISX 49.42Vanguard Small Cap Value Index Inv VISVX 24.88Vanguard Target Retirement 2020 Inv VTWNX 28.69Vanguard Target Retirement 2025 Inv VTTVX 16.70Vanguard Target Retirement 2030 Inv VTHRX 29.36Vanguard Target Retirement 2035 Inv VTTHX 18.08Vanguard Target Retirement 2040 Inv VFORX 30.19Vanguard Target Retirement 2050 Inv VFIFX 30.05Vanguard Target Retirement Income Inv VTINX 12.96Vanguard Total Bond Index Inv VBMFX 10.82Vanguard Total Stock Market Index Signal VTSSX 47.99Vanguard Value Index Signal VVISX 33.30Vanguard Wellesley Income Inv VWINX 26.02  <response>: I agree with aBoglehead the Vanguard target retirement is great and simple.When and if you want to switch to a 3-fund eventually for the flexibility and maybe marginally lower ER, it looks like you have great Vanguard options to choose from. Although, youre missing good international options entirely. I am envious of your options, if not the lack of matching! 