A 401(k) is a scary thing when you really think about it.
At least for me. I’m trying to learn all I can about how best to manage my money.

Some things are easy:

• Join
• Invest 10% of my pay (pre-tax)
• Take advantage of the company match (a.k.a. free money)
• Diversify your holdings

Some things are not:

• Out of the limited funds I have to pick from, which funds are the right fund
• How much should I be paying (expense ratios)

Recently, my 401(k) fund swapped out some “under-performing funds” for some that matched their criteria. This, in turn, replaced two of my funds.

Now I’m doing some research into what’s available and what I should be in, but honestly it’s very confusing and I’m not exactly sure what to do.

Yes, I have time before I retire.
But I realize that the better I manage my money now, the harder it will work for me in the time allowed.

So, what do you think about expense ratios and p/e ratios? Any tips out there or solid guidelines?