I currently have my 403b (max pretax + max mega backdoor roth) 100% allocated to the 2055 Target Fund which has an ER of 0.46%. Here are the other options. My Roth IRA is 70/30 FSKAX/FTIHX but I suppose I could dump all my 403b into FXAIX (ER 0.015%) and use IRA to diversify. It does have FSPSX but not as comprehensive as FTIHX. Would love to hear your thoughts based on the above options, thanks in advance