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My university offers a 401(a) plan that has a match. Because it is not a 401(k) it is not subject to the IRS maximum, and I am only allowed to put here enough to capture the match. They also offer a 403(b) and a 457(b) but there's no match there. The vendors are Fidelity, TIAA-CREF, and VALIC,. I have a TIAA-CREF Target Date fund. Vendors, Target Date Funds, and Expenses according to Morningstar: - TIAA-CREF's Lifecycle 2040 (TCOIX) 0.44% Expenses according to Morningstar - Fidelity: I called Fidelity last month, and what they have available for employees at my university is the FFKFX fund which has a 0.67% expense ratio. - Valic offers this one: American Funds 2040 Target Date Fund (RDGTX), 0.79% expenses My question: If I could get Vanguard, the expenses would be 0.16%. Is there a way to get a lower expense ratio though Fidelity, for example buy buying Fidelity funds? I found this article but it's from 2008, and I was wondering if this is still a possibility: https://assetbuilder.com/knowledge-center/articles/scott-burns/three_ways_to_have_vanguard_at_fidelity What is the downside? I would probably would have to manually re-balance the portfolio but., is there something else I need to consider? Susana