Thanks for the response. Our plan does not offer those, but we have portfolios made up of the funds it has, with no allocation modification. I do not like those funds anyway. I must confess I hate mutual funds with a passion, so even putting money in this one is hard, but I have to put it somewhere. The Growth fund is the cheapest fund available, even cheaper than the 500 index option and has a good track record for thirty some years. This is one of the few good companies around with Vanguard the other and maybe Dodge and Cox. The fund is huge and bloated but I think they handle it ok and plus I think a lot of people bailed last year. I am hanging on for as long as I am in the plan, then it is rollover and buy some good dividend stocks. Also, I like simplicity.