Those funds all have expense ratios over 1%, there aren't any good choices at all.
That goes beyond "not good choices;" that's goddamned highway robbery! Many of them aren't even
near 1% (there's one over 4%!), and the ones that are tend to be conservative funds that should be expected to return less than the expense ratio!
Once the fiduciary rule becomes applicable (April 10, 2017?) those expense ratios should be
literally criminal!
I hate to say it, but I almost concur with the suggestion to contribute only to the money market fund and then roll it over ASAP. But at a ridiculous 0.58% even
that fund is bad, and "ASAP" being two years away is way too long to accept that drag on returns. (If the OP maxes it for 2 years for a total contribution of $25,000, he can expect to have something like $24,800 left by the time he can becomes eligible to roll it over, give or take contribution timing and the compounding period.) If the OP picked that fund, the best strategy would be to contribute $1 immediately to start the rollover clock, then make the other $12,499 and $12,500 contributions as close to the
end of each year as possible in order to minimize compounded losses. (The whole thought of intentionally back-loading investment account contributions instead of front loading them is perverse and I feel disgusted just for suggesting it!)
Otherwise, you're almost forced to pick from the shitty ~1.5% actively-managed stock funds just to have a shred of hope that you won't lose money simply due to the expense ratios!
