<prompt> Human: EQUITYSTOCK AB INTERNATIONAL GROWTH FUND A Core AWPAX 17.23 1.37ALLIANZGI NFJ DIVIDEND VAL A Core PNEAX 17.00 1.05DAVIS NY VENTURE FD CL A Core NYVTX 38.88 0.86LAZARD EMERGING MARKETS OPEN Core LZOEX 17.54 1.37 LAZARD MID CAP OPEN Core LZMOX 19.84 1.35OPPENHEIMER EQUITY FUND A Core OEQAX 14.46 0.98OPPENHEIMER SML MID CAP Core QVSCX 50.44 1.18VICTORY MUNDER MID CAP CORE A Core MGOAX 44.13 1.32BONDFIXED INCOME FRANKLIN TOTAL RETURN FD CL A Core FKBAX 9.93 0.88JPMORGAN GOVERNMENT BOND Core OGGAX 10.85 0.75ALLOCATION FUNDS INVESCO EQUITY AND INC FD CL A Core ACEIX 10.56 0.79Am I right in saying that id be better off picking my own in a standard brokerage account than choosing one of these, seems like the benefit for it being tax deferred wouldnt even be thereEDIT added expense ratios as requested, if its any help Im only 21 and this is a part time job while I attend school so I only make about 1400 a monthAssistant: Since theres no match, you may be better off investing in a Roth IRA on your own.Human: I actually already have my IRA set up and maxed, really the question is: is tax deferred worth it for a far lesser fund compared to a standard account with something like vtsax  <response>: Yes, the tax advantages make even a little compounding more substantial. This is especially true if you change jobs again. You get to roll it all over into a good IRA. 