I'm moving my 403b to fidelity (vanguard is not a vendor at my job) and i'm looking for low fee funds that perform well. have read about all in one retirement freedom funds but have a somewhat high expense ratio and then i have read about these spartan funds with low expense ratio. don't know much about either one besides the expense ratio. are these actively managed? i'm new to this stuff so i'm learning as i go. any help would be appreciated