<prompt> Human: I need help because I have absolutely no idea what Im doing!Im 34, I average about 1,400 a month so about 17,000 a year, but probably closer to 18,000, and my wife also works and brings in about the same.So unfortunately, my company is going with John Hancock for our 401k plans. There is no way they would listen to me if I try to convince them otherwise, so thats out the window. If I contribute 537; into a Roth 401k, they will do their maximum match of 437;.The enrollment form has the option for an EZCHOICE, but I have a feeling that may be a terrible decision. I want to choose my own, putting about 3037; in an aggressive growth fund, 3037; in a growth fund, and then the rest in the 500 Index Fund which they have labeled as a growth and income fund. Does that sound reasonable? Or should I do one of their target date portfolios i.e. JH Retirement to 2010 or JH Retirement to 2045?For their aggressive growth funds highest risk, the following are available: New World Fund - sub-advised by American Funds Group ANW Oppenheimer International Growth Fund - sub advised by OppenheimerFunds, Inc. OIG Vanguard Explorer Fund - sub-advised by Vanguard Group, Inc. EXP this one appeared the best to me Small Cap Index Fund - sub-advised by John Hancock Assent Management SCI International Equity Index Fund - sub-advised by SSgA Funds Management, Inc. IIF DFA U.S. Targeted Value Fund - sub-advised by Dimensional Fund Advisors, Inc. DUT International Value Fund - sub-advised by Franklin Templeton ITVFor their growth funds slightly lower risk, I suppose, the following are available: Total Stock Market Index Fund - sub-advised by John Hancock Asset Management TSM Blue Chip Growth Fund - sub-advised by T. Rowe Price Associates, Inc. BCF best? John Hancock Disciplined Value Fund - sub-advised by Robeco Investment Management, Inc. DVA Mid Cap Index Fund - sub-advised by John Hancock Asset Management MCIWhich of those do you think would be best for me? The Vanguard and the Blue Chip appeared to be good when I Googled them, but I wanted advice before I did anything. Still, with John Hancock, I feel doomed no matter what I pick anyway. And yes, I am aware of what John Oliver read off the teleprompter about them.  <response>: Can you post the net expense ratios of each investment option?You should definitely contribute enough into the Roth option to get the full match. Based on your joint income, you and your wife are also eligible for the Retirement Savings Tax Credit. 