<prompt> Human: I have various options in my 401k plan. I have an option for a Vanguard TD 2050 or pick and choose my own mutual funds. Currently, I have about 60 in Primecap Odyssey Growth Fund POGRX because that seemed like the most appealing fund that I have access to even though it has a higher expense ratio. The other 40 is a mix of international, mid, and small. Im going a bit aggressive since Im behind on my retirement. Is what Im doing an ok strategy or should I just allocate it to the 2050 fund anyways?  <response>: Well you gonna get a biased answer here :P TR or similar 2-4 fund portfolio. 0.67 ER is gonna not be good for you long term. 