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So, I just now taken renewed interest into my 401k investment options offered by my company's 401k plan. I also just finished watching Last Week Tonight's episode on retirement.Choosing the right 401k investment option is a daunting task, and while I will be doing my own research I figured I would also ask for some help and guidance.
The link below is the google sheets of the investment options. https://docs.google.com/spreadsheets/d/1DLb-uQ0JKo9nnS5XYB1V333041n40cV3pFLDfIJxano/edit?usp=sharing
Currently I am invested in:
Oppenheimer Developing Markets R
Alger Cap App Institutional R
Oppenheimer Real Estate R
I am 28, single, no kids and financially stable. Given my age, I am not adverse to investing on risker options. 

I've read that 12B-1Fees and fees averaging 1% or more are read flags... that reflects most of the offering I am being given =/. 

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Those fees are hideous.

The two index funds are only 0.15%, which is not as hideous.

edit:I missed the total fees column, was corrected below.  0.58% is lowest.  It's still worth it generally if there's a match or if you've already maxed your IRA.

Bend3r said:   The two index funds are only 0.15%, which is not as hideous.
  Total cost of the lowest cost fund is 0.58%, or 0.53% more than what Vanguard would charge for the same fund.

I'd put 100% of my money in the HIMCO VIT Index Fund.

It basically tracks the S&P500, and it wouldn't be a bad fund to on if you only owned one mutual fund.

I'd make contributions in this plan up to the full match, then max out a Roth IRA, and then invest in:

A) Contribute to the 401k again if I was in the 25%+ federal tax bracket, or
B) A cash account at Vanguard (invested in index mutual funds or index ETFs) if you're in a bracket less than 25%.

Remember: you can't win if you don't play. Contributing to your 401k is 90%; choosing the right fund is 10%.

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