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Hi Fools! I could use some of your retirement investing wisdom.

I just passed the one year mark at my first "real" job and am now eligible to participate in the 401(k) plan. I work for a small company so there is no choice in funds. They split the money across four funds with expense ratios ranging from 0.94-1.4. Last year I opened a Vanguard Roth IRA with their 500 Index Fund so in comparison the 401(k) expense ratios look rather high.

There is no match for the 401(k). They have a separate profit-sharing plan.

Should I just stick with the IRA? I am young (turn 25 next Friday!) but I know I need to get moving on retirement savings. I make $34,000/year and live in costly Los Angeles so my contributions will not yet be sizable.

Thanks for your help.

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