<prompt> Human: Hi, Im not seeing this in the wiki, so maybe Im missing something, but heres my question. My gf34 and I32m were looking at our retirement accounts the other day, since she just set up hers, and realized that she put her money into FIPFX and I put mine in FUSVX I think the difference between the two correct me if Im wrong is that since hers is a target-date fund, its more like an auto-trader in that it maintains a certain level of stocks and bonds based on the time until the target date, so its more conservative, but costs more. Where mine is all stocks, so it costs less, because the people who control it are just going against the SP 500. I remember hearing that the majority of the time, all you want to do is look for the lowest cost, widest breath index funds. Since over the long term, the market will do what the market does and the only difference is the cost. Now my question, If my gf and I start out with the same amount in our accounts, at the same time, Ill make more 20-30 years down the line right since Im paying gross 0.035 vs hers 0.21... right? but hers would would be better as we grow older since the bond will increase to be more stable? Thanks!EDIT: Ok, from what the comments say, the expense ratios are done differently, but her highs will be lower, but her lows will be higher than mine. I might switch over soon.  <response>: The Freedom Index Target date fund has a net ER of .15 these days. So, pretty good.The difference in your account balances is going to depend more on what the us international stock and bond markets do, than on the small difference in expense ratios. 