<prompt> Human: I didnt want to hijack the other post, but it made me wonder about my 401k and I think I have pretty high fees. I have about 5k in this 401k now, all vested since there is no match. Ive been with the company for about 1.5 years. The 401k is managed by American Funds. I have a traditional IRA with Fidelity that I max out every year too. My portfolio is 25 each of the following: Ticker Name Expense Ratio---------RNPBX New Perspective Fund 1.56RNWBX New World Fund 1.82RFNBX Fundamental Investors 1.40RBKTX Am. Funds 2040 Target Date 1.58 Are these expense ratios high? If so, should I keep paying into this 401k? These are my other options: TypeTickerNamePriceYTD1 Year5 Years10 YearsExpenses---------------------------GrowthRERBXEuroPacific Growth Fund R-2 47.38 -0.7810.2813.807.371.60GrowthRGABXThe Growth Fund of America R-2 42.30 1.1924.5818.317.011.40GrowthRNPBXNew Perspective Fund R-2 36.48 -0.3615.5817.067.721.56GrowthRNWBXNew World Fund R-2 56.15 -1.822.2114.719.371.82Growth-and-incomeRWIBXCapital World Growth and Income Fund R-2 44.94 0.1815.3815.237.611.54Growth-and-incomeRFNBXFundamental InvestorsSM R-2 51.35 -0.7919.7718.037.711.40Growth-and-incomeRICBXThe Investment Company of America R-2 36.50 -0.0822.6516.395.841.40Equity-incomeRIRBXCapital Income Builder R-2 58.29 -0.467.4911.485.931.40Equity-incomeRIDBXThe Income Fund of America R-2 20.63 0.8311.5614.316.071.36BondRBFBXThe Bond Fund of America R-2 12.55 1.40-0.665.872.761.36Cash-equivalentRABXXAmerican Funds Money Market Fund R-2 1.00 0.000.000.00NA0.66Retirement target dateRBMTXAmerican Funds 2055 Target Date Retirement Fund R-2 14.95 0.2017.2011.83NA1.63Retirement target dateRBITXAmerican Funds 2050 Target Date Retirement Fund R-2 12.19 0.1617.2116.444.671.58Retirement target dateRBHTXAmerican Funds 2045 Target Date Retirement Fund R-2 12.40 0.2417.2116.404.661.58Retirement target dateRBKTXAmerican Funds 2040 Target Date Retirement Fund R-2 12.41 0.2417.2016.434.671.58Retirement target dateRBFTXAmerican Funds 2035 Target Date Retirement Fund R-2 12.24 0.1616.7616.294.611.58Retirement target dateRBETXAmerican Funds 2030 Target Date Retirement Fund R-2 12.24 0.2516.5416.194.611.57Retirement target dateRBDTXAmerican Funds 2025 Target Date Retirement Fund R-2 11.78 0.2615.4215.524.281.55Retirement target dateRBCTXAmerican Funds 2020 Target Date Retirement Fund R-2 11.12 0.2712.0613.833.721.53Retirement target dateRBJTXAmerican Funds 2015 Target Date Retirement Fund R-2 10.67 0.3810.2112.593.631.51Retirement target dateRBATXAmerican Funds 2010 Target Date Retirement Fund R-2 10.10 0.608.0811.783.381.51 Thanks for the help!  <response>: Your 401k plan is awful. You should consider campaigning for a better oneAre these expense ratios high? If so, should I keep paying into this 401k? Compared to the other fudns in your 401k they are not too high - but you should definitely be maxing out your IRA before you put any money into your 401k. 