<prompt> Human: Hey there, below are the funds I can invest in. I am 27 years old with 38k funds to work with, 6 matching. A lot of these have high expense ratios, I would really appreciate some advice. Thanks guys.DWS Money Market Prime Series - DWS Cash Investment Trust - Class S Web Report Ticker: DOSXX .53Loomis Sayles Strategic Income Fund - Class A Quicktake Report Ticker: NEFZX .95DWS High Income Fund - Institutional Class Quicktake Report Ticker: KHYIX .66American Funds 2010 Target Date Retirement Fund - Class R4 Quicktake Report Ticker: RDATX .70American Funds 2015 Target Date Retirement Fund - Class R4 Quicktake Report Ticker: RDBTX .71American Funds 2020 Target Date Retirement Fund - Class R4 Quicktake Report Ticker: RDCTX .73American Funds 2025 Target Date Retirement Fund - Class R4 Quicktake Report Ticker: RDDTX .75American Funds 2030 Target Date Retirement Fund - Class R4 Quicktake Report Ticker: RDETX .75American Funds 2035 Target Date Retirement Fund - Class R4 Quicktake Report Ticker: RDFTX .77American Funds 2040 Target Date Retirement Fund - Class R4 Quicktake Report Ticker: RDGTX .77American Funds 2045 Target Date Retirement Fund - Class R4 Quicktake Report Ticker: RDHTX .77American Funds 2050 Target Date Retirement Fund - Class R4 Quicktake Report Ticker: RDITX .78BlackRock Global Allocation Fund, Inc. - Institutional Class Quicktake Report Ticker: MALOX .88Invesco Growth and Income Fund - Class A Quicktake Report Ticker: ACGIX .82T. Rowe Price Equity Income Fund Quicktake Report Ticker: PRFDX .67Lord Abbett Fundamental Equity Fund - Class I Quicktake Report Ticker: LAVYX .71MainStay Large Cap Growth Fund - Class I Quicktake Report Ticker: MLAIX .77Goldman Sachs Mid Cap Value Fund - Institutional Class Quicktake Report Ticker: GSMCX .74Prudential Jennison Mid-Cap Growth Fund - Class Z Quicktake Report Ticker: PEGZX .77Vanguard Small Cap Value Index Fund - Investor Class Quicktake Report Ticker: VISVX .24Eagle Small Cap Growth Fund - Class A Quicktake Report Ticker: HRSCX 1.1American Funds EuroPacific Growth Fund - Class R4 Quicktake Report Ticker: REREX .84MFS International New Discovery Fund - Class R4 Quicktake Report Ticker: MIDJX 1.14American Funds New Perspective Fund - Class R4 Quicktake Report Ticker: RNPEX .80  <response>: Name Ticker ER---------DWS Money Market Prime Series - DWS Cash Investment Trust - Class S Web DOSXX 0.53Loomis Sayles Strategic Income Fund - Class A Quicktake NEFZX 0.95DWS High Income Fund - Institutional Class Quicktake KHYIX 0.66American Funds 2010 Target Date Retirement Fund - Class R4 Quicktake RDATX 0.70American Funds 2015 Target Date Retirement Fund - Class R4 Quicktake RDBTX 0.71American Funds 2020 Target Date Retirement Fund - Class R4 Quicktake RDCTX 0.73American Funds 2025 Target Date Retirement Fund - Class R4 RDDTX 0.75American Funds 2030 Target Date Retirement Fund - Class R4 RDETX 0.75American Funds 2035 Target Date Retirement Fund - Class R4 RDFTX 0.77American Funds 2040 Target Date Retirement Fund - Class R4 RDGTX 0.77American Funds 2045 Target Date Retirement Fund - Class R4 RDHTX 0.77American Funds 2050 Target Date Retirement Fund - Class R4 RDITX 0.78BlackRock Global Allocation Fund, Inc. - Institutional Class MALOX 0.88Invesco Growth and Income Fund - Class A ACGIX 0.82T. Rowe Price Equity Income Fund PRFDX 0.67Lord Abbett Fundamental Equity Fund - Class I LAVYX 0.71MainStay Large Cap Growth Fund - Class I MLAIX 0.77Goldman Sachs Mid Cap Value Fund - Institutional Class GSMCX 0.74Prudential Jennison Mid-Cap Growth Fund - Class Z PEGZX 0.77Vanguard Small Cap Value Index Fund - Investor Class VISVX 0.24Eagle Small Cap Growth Fund - Class A HRSCX 1.10American Funds EuroPacific Growth Fund - Class R4 REREX 0.84MFS International New Discovery Fund - Class R4 MIDJX 1.14American Funds New Perspective Fund - Class R4 RNPEX 0.80 