I noticed all of the funds referenced on this site are through vanguard. I have fidelity acocun throughy my work 401k therefore use that for all of my trading. I get substantial rate reductions on fidelity funds. Are there equivelant fidelity funds I can be investing in or is it worth paying the extra fees to get Vanguard?
Fidelity is just fine. I had Vanguard as my 401k provider for my first job out of college, and continued using that to build up a separate Roth and also opened up a brokerage account there. The options are solid for the various accounts, but there are others.
My current job 401k is through Fidelity, and there are plenty of options <0.50% expenses. The Spartan family is generally the best for the lowest expense ratio, but my company has a lot of custom funds from other providers that are linked through them (PIMCO, Guggenheim, etc) which aren't so cheap, but seem to perform decently well against their benchmarks.
Again, you don't want a low expense ratio alone, you want low tracking error.
Example, a theoretical S&P index fund which has a tracking error to the S&P index of 0 (i.e. it mirrors it exactly), but "charges" a 2% expense ratio vs another index fund which has a higher tracking error but only "charges" a 0.15% expense ratio...
The expense ratio is sort of irrelevant, unless the tracking error is equivalent.
It all depends on what benchmark you're trying to hit... hope this doesn't confuse you...