I came to the realization that a .5% expense ratio is too much for a Target date fund 2055 that I have to pay every year. In addition, I did not like the allocation of bonds. I rather have aggressive growth and reallocate when I need to.
I opted for these 3 index funds for my 401k. They did not offer a MID CAP. I did not do bonds because I know I can stomach a downturn for now.
1. US Large Company Index Fund Stock Large 0.0143%. I am allocating 70%
2. International Company Index Fund Foreign Large Blend 0.0802%. I am allocating 20%
3. Small Cap Equity Index Fund 0.0217%. I am allocating 10%