Allocation for FXAIX/FSPSX/FSMAX/FNXAX? My new employer’s 401k has limited fund choices. The TDF offered has an ER of 0.36% (previous employer’s TDF was 0.05%) so I can to better building my own portfolio in my new 401k… just need some guidance/suggestion. And no, I did not roll-over my old 401k and instead left it to keep the lower ER. The fund choices I’ve narrowed it down to are …