Good point Match,
As I just went through what this investor is going through, how do I allocate my 401k and my ROTH?
Most of the expertise that I received was invest in the S&P / Large Value (Since they follow each other closely). At a young age, such as myself, we can afford to be aggressive for 20-25 years out. The market will be and down, dont look at it. Set your allocation to 100% S&P500 and look at it in 20 years, youll be impressed. Over time, the market always goes up!...buy on the dips or downtimes and dont sit on cash trying to time the market (that was a problem of mine before talking to others here).
When you can set and forget you will be pleasantly surprised how much better life feels :)
I want to add something.... why are your expense ratios so damn high?!?!