How many here utilize only one fund in their 401k, or a minimum amount of funds. I am trying to minimize fees and have access to Growth fund of America and several other funds. This fund is the lowest ER available, even lower than the S+P index fund offered. I currently have a 50/50 split between Growth fund and Thornburg International Value. However there is also a great small value fund (keely small value) that I would like to invest in but I do not want to be in too many funds. I do not own any other investments other than my 401k, due to financial constraints. I am 31/married/two year old son. Any advice would be good.