403b target retirement fund

Hi everyone my employer offers retirement 403b account with vtrlx with expanse ratio of 0.09 however they also offer vfiax with er of 0.04 would it be better to go with the lower er or stick with the target date fund that’s more well rounded. Thank you for the help.

I’ll cover this in tonight’s office hours (10/28/2020) with the recording available afterwards on the course site!

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