<prompt> Human: Mid 20s. Dont mind moderate-aggressive portfolio so I wouldnt bother with bonds. Employer is matching 0.35 for every dollar for the first 6. Not the bestAt first glance, I would stay away from Merdian Small Cap Growth Instutional because of its 1.15 net expense ratio.Wells Fargo Stable Return IAmerican Beacon Small Cap Value I AVFIXBlackrock Russell 2500 Index MBlackrock US Equity Index MDodge Cox Stock DODGXMacquarie Large Cap Growth EQ CITMEridian Small Cap Grown Institutional MSGRXAmerican Funds Europacific Growth R5 REFFXBlackrock ACWI EX U.S. Index Fund M  <response>: You have a domestic index at 0.02 ER and an international index at 0.04. Thats pretty much the opposite of screwed. 