<prompt> Human: My age: 22yo Account type: 401K or should I just skip it open an IRA Debt: NoneStarting out my first job with an employer sponsored plan. Im a low-cost index investing kind of person, however company 401K plan does not provide matching and most of the 26 funds come with high fees: I am thinking about going all-in with one relatively decent fund. Unfortunately there isnt a clear winner. These are the two Large Cap funds with lowest fees: FFCRX Franklin Templeton Flex Cap Growth Fund R6 Class 0.48 VADRX Invesco Equally-Weighted SP 500 Fund R Class 0.81 I am torn because I dont want to put my 401K into what appears to be an actively managed fund Franklin, yet the only SP 500 fund I have has higher expenses.Which one would you pick between these two? Or, do you see a better choice in the list of my 401k options  <response>: or should I just skip it open an IRA company 401K plan does not provide matching Go for the IRA first. 