I'm in the 25% tax bracket and there are several index funds for emerging markets, international stocks, and an S&P 500 index. I don't see a total market index, but there are also small and large growth indexes, so everything looks accounted for aside from mid-cap. The fees for each fund vary from 0.02-0.99%, with most being somewhere in the middle, which seems a little high. I'm not sure if they are actively or passively managed though I think the high fees would imply actively. When I signed opened my account, I just picked an aggressive approach and they automatically enrolled me in about 9 different funds at varying percentages. I've seen a 7.88% return in the 2 years I've had it, which is respectable, but I'm wondering if I should maybe try and simply my portfolio into something like 80% total stock market index and 20% bonds, if they'll allow it.