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How do you define moderate?

Institutional versions of Mutual funds in a 401k are almost always going to carry a higher expense ratio but you work with what you have. It may be that your best bet is to set up a Roth IRA outside of the 401k, invest in your low cost index funds there, and then diversify where appropriate in the 401k.

Who defines oderate as returns around 5% - 8%...
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