<prompt> Human: When I first started investing into my 401k, I originally was invested 100 in the Vanguard target fund for around my retirement date. As I continually invested more into the 401k I did reading about picking my own funds and reallocated my money into individual funds. As the year is ending I was analyzing my portfolio and took a look back at the expense ratios, for which the Vanguard funds are much lower other than the SP fund. The image below are all of my fund options along with their expense ratios. My portfolio as it stands now is:-SPTN 500 IDX ADV IS FXAIX: 30-AF NEW PERSPECT R6 RNPGX: 20-TRP NEW HORIZONS PRNHX: 15-FID LOW PRICED STK K FLPKX: 10-FID BLUE CHIP GR K FBGKX: 7.5-FID GROWTH CO K FGCKX: 7.5-VANGUARD TARGET 2050: 5-PIM TOTAL RT PTTRX: 5OPTIONS: Given that the Vanguard fund has only a .08 exp ratio whereas most of the individual funds are .40-.80, would I be better off moving all my money back into the Vanguard target fund, or can I still get better returns monitoring funds separately? How can I determine which is the better call?Thanks in advance.  <response>: Target date. Set it and forget it. Allocation with regular rebalancing plus dollar cost averaging over a long time AND low fees...thats a great recipe for success. 