<prompt> Human: Im starting a job that offers a 401k through Fidelity. Like a lot of other people, I took the John Oliver piece to heart and looked at the expense ratios of the default fund for the plan. My contributions were defaulted to the 20XX fund which has an expense ratio of 0.77. I changed it to index funds with lower expense ratios that are available to me through this 401k. However, these index funds are of the Advantage class instead of the Investor class. As far as I can tell, these are the same thing except that Advantage has a lower expense ratio and requires a 10,000 initial investment.I dont have 10k to put in. Does the fact that the fund is available to me mean that the rules are different for people investing through 401ks compared to regular people buying into the funds? I just want to make sure I wont get hit with some penalty later if I dont accumulate 10k before I leave the job or anything like that.Thanks for any advice or information.  <response>: You should be fine. I started in the Investor class last year when I put my first 5500 in for a Roth. This year when I hit the next 5500, it was still investor class. It wouldnt let me roll it over into the Advantage class online. I had to call Fidelity directly to do it. But they did it no problem. 