1) You need to find the expenses on each fund. Unless you truely believe in a fund manager paying more than a 1% expense ratio is just stupid. Compare the expense ratios of the index funds to those of vanguard or ishares.com FYI on MetLife yearly expenses on their funds:After wading through the online prospectus, I did manage to find the expenses for each of the funds available to me. The expenses range from 0.31% to 1.33%. My current selections range from 0.31% to 0.83%, so I guess I'm managing to do okay by staying under 1.0%. I was dismayed to find out that the 2 American funds charge 12b-1 fees, but overall the total expenses on those 2 still are 0.59% and 0.64%. Don't know whether or not to ditch them because of the 12b-1 fees.The decision now will be to go with a fund that yields more but has a larger expense charge, or stick with a lower expense fund and suffer the poorer return. Calculator time, I guess.I think the reason the funds are so hard to find are because MetLife has many sub-managers for their funds. MetLife then turns around and names them something different probably from what the sub-manager calls them, and then they can't be found by a standard search on the internet. Don't know whether this should be a red-flag or not.Thanks for shedding some light on this situation.Y.
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