<prompt> Human: My employer offers a match on our 401k up till 1500 per year. The choices seem pretty limited and the cheapest SP 500 Index Fund has a net expense ratio of 0.67 which seems rather high to me. Other funds expense ratio varies between 1 and 1.5 on average.Seeing the regular advice here 401k till match, then Roth IRA, etc. I wanted to ask what the advice would be for me. Should I bother using the companys 401k in my case, or if I can I better skip it and do it myself?EDIT: Thanks for the quick answers already! To clarify; the official clause is:100 of the first 80 of eligible compensation deferred, but will not exceed 1500 per year per participant  <response>: With an expense ratio of 0.67, you pay 10.05 annually on 1500. Hopefully the market goes up more than that in a year.Your employer is offering a 100 match on up to 1500 annually. Would you like to pay 10.05 to receive 1500 each year? 