<prompt> Human: Hello, Upon recent review I realized the expense ratios of most of my fund options seem very high. Should I even be contributing more than my companys match? Ive been maxing it out the past few years, but Im starting to question if thats even the right idea. If Im not contributing to My 401k then do I setup a IRA? Any help would be appreciated. Fund options are below. Investment Fund 1 mo 3 mo YTD 12 mo 3 yr 5 yr 10 yr Inception to Date Expense Ratio Gross Expense Ratio :--- :--- :--- :--- :--- :--- :--- :--- :--- :--- :--- Ready Assets Government Liquidity Fund 0.00 0.00 0.00 0.00 0.00 0.00 1.10 5.05 0.69 0.69 BlackRock U.S. Government Bond Portfolio - Class R 0.31 2.38 2.38 1.04 1.51 NA NA 2.13 1.21 1.41 Pioneer Bond Fund - Class R 1.45 1.67 1.67 0.18 2.05 3.65 5.01 4.88 1.10 1.21 Nuveen Strategic Income Fund - Class R3 4.05 1.87 1.87 -4.54 0.82 3.54 5.22 5.15 1.07 1.17 Pioneer High Yield Fund - Class R 3.61 1.67 1.67 -6.84 0.66 2.62 5.06 6.44 1.51 1.51 American Century Inflation-Adjusted Bond Fund - Class R 2.08 4.25 4.25 0.48 -1.93 1.95 NA 2.70 0.97 0.97 Templeton Global Bond Fund - Class R 3.95 0.05 0.05 -4.55 -0.88 1.68 NA 5.65 1.14 1.16 BlackRock Global Allocation Fund, Inc. - Class R 4.17 -0.59 -0.59 -4.51 2.89 2.91 4.75 8.17 1.48 1.48 Delaware Dividend Income Fund - Class R 4.07 0.89 0.89 -3.31 5.28 6.57 5.03 6.03 1.33 1.33 BlackRock Equity Dividend Fund - Class R 6.01 0.38 0.38 0.84 7.46 8.18 6.34 8.97 1.28 1.28 Goldman Sachs U.S. Equity Insights Fund - Class R 6.81 -0.62 -0.62 -3.06 10.82 11.03 NA 5.02 1.21 1.42 Hartford Core Equity Fund - Class R3 5.62 -0.29 -0.29 2.53 14.20 12.62 NA 6.86 1.10 1.29 Goldman Sachs Mid Cap Value Fund - Class R 8.56 -0.68 -0.68 -11.88 5.91 6.80 NA 13.05 1.40 1.40 Goldman Sachs SmallMid Cap Growth Fund - Class R 7.61 -4.88 -4.88 -10.13 8.04 8.72 NA 7.76 1.55 1.70 American Century International Growth Fund - Class R 6.89 -3.71 -3.71 -7.56 2.13 2.70 2.52 5.98 1.67 1.67 Franklin Mutual Global Discovery Fund - Class R 5.57 -1.54 -1.54 -8.17 4.70 5.58 5.10 7.83 1.49 1.49 Ivy Emerging Markets Equity Fund - Class R 12.28 0.82 0.82 -14.82 -0.25 NA NA -0.64 1.83 1.83  <response>: Keep in mind that all rpersonalfinance typically sees is expense ratios and then makes judgments from there. You have some decent options inside this 401k as far as 401ks go. While expense ratios are the number 1 determinant of likelihood to outpace their index, there are other factors that make some mutual funds good mutual funds. Look up the funds on Morningstar and figure out their tier Gold, Silver, Bronze, Neutral, Negative This is Morningstars rating for how they expect the fund to perform in the future relative to the index. While 1 and above is high, it doesnt mean you dont have options to choose from 