<prompt> Human: Do these expense ratios really matter? E.g. If Fund A has a higher expense ratio than Fund B but with Fund A youre getting a overall higher return, doesnt it make sense to stick with Fund A even though the expense ratio is higher? At the end of the day, your net return is going to be greater...About me: 24 and have an Roth IRA that Ive been maxing out since I started my first job at 15. Also, have a Roth 401k with my current employer. 50 match up to 6 of contributions for the 401 k. Company also contributes 7 of salary to my pension plan, which I dont pay dime for.  <response>: If anything, the expense ratio matters more for long term investments because of compounding. You cant be sure of what kind of return youll get, but you can be sure of how much expense is being taken out. 