<prompt> Human: Everything is expensive and I only have the option for one Index Fund. Employer Matches 5. John Hancock Disciplined Value 1.86 Parnassus Core Equity Fund 2.19 Fidelity ContraFund 1.99 JPMorgan MidCap Value Fund 2.26 Pru Jennison Mid Growth Fund 2.12 T. Rowe Price Sml Cap Val 2.41 Oppenheimer Developing Mkt 2.42 Oppenheimer Intl Growth Fund 2.24 Ivy Asset Strategy Fund 2.06 500 Index Fund 1.63 Real Est. Securities Fund 1.89 John Hancock Stable Val 2.05 PIMCO Total Return 2.05 PIMCO Real Return 2.05 Yikes. I am 30 years old so I am thinking 70 in the 500 Index and 30 in PIMCO Total Return.  <response>: Those fees are terrible and frankly inexcusable, but the match and tax savings are still valuable. Heres what I would do in your situation, depending on how much you have available to invest.1 Contribute enough to get the full 5 match, mostly or entirely in the 500 Index Fund. There arent any other index options, so I would diversify in your IRA see next step.2 Max out your IRA Roth or traditional, depending on your preference. Maybe overweight a little into bonds or international index funds here to compensate for your limited 401k options.3 Go back to your 401k and invest up to the 18k limit.Its probably tempting to skip step 3 and go straight to taxable investments. I understand the sentiment, but there are three reasons Id recommend against it. First, the tax deferred growth. Second, your employer may eventually offer better options. Finally, even if your employer doesnt ever improve their plan, you can one day roll over your money into an IRA after separating from the company, preserving their tax advantaged status and allowing you to pick lower cost options yourself. 