Thanks for your responses.
I should clarify that I have a self directed 401k with Fidelity. So my 401k gives me access to all Fidelity funds.
tyrion wrote:You don't need all good choices. One or two adequate ones will do the trick.
And for loads, they are usually waived for a 401k, so definitely ask about that.
Is there a match of some sort?
livesoft wrote:Right. Some funds are more tax-efficient than others. Use the tax-efficient ones in your regular investment account. Some hints about this are found in this wiki page: http://www.bogleheads.org/wiki/Principl ... _Placement