<prompt> Human: I will finally be eligible for my first 401k next month, but I was disappointed to see the options I have on my companys plan. I have done some research on pf and am trying to decide 1 how much to put into my 401k and 2 which stock options to choose from.As background, I have 45,000 in school loans at about 6 interest and have maxed out my Vanguard target date IRA the past couple years. My company will put in 250 for the first 1000 invested in the 401k. However, the options almost all have gross ERs over 1. Im going back and forth between only putting 1,000 in and paying off more of my loans, or putting in enough to have 15 of my salary saved for retirement this year.Heres the planI was thinking: 21 to AmFds EuroPacfc Gr R3 4 to Sntnl Sm Co A 7 to FidAdv Levr Co Stk A 38 to SP 500 25 to PIMCO Ttl Rtn A 5 to NW GOc Mny Mkt InvBut Im completely inexperienced. Please help!  <response>: That is a pretty poor selection, but with the tax benefits, I always recommend to invest at least to the company match, if not well beyond. Even with minimal gains, youll still effectively be up double digits compared to using after tax money.Youre wise to look at the expense ratios, which are all pretty high. I guess Id put the largest chunk in the 0.57 index fund, but even that seems slightly criminal for an index. 