<prompt> Human: These are the options: I was thinking of the 3 SSgA funds just because of their low expense ratio. Heavier on Large blend, less in the mid cap blend, and some in gov fund. But what other considerations should I keep in mind?Im 28 yo.  <response>: Other than asset class, expense ratio is the most important decision in choosing a good investment. Low expense ratios are the best indicator of superior long term performance. 