Yeah you can definitely optimize better, but depending on your allocation you're still going to be fairly close to that 0.08% ratio on the average. For most pe

Yeah you can definitely optimize better, but depending on your allocation you're still going to be fairly close to that 0.08% ratio on the average. For most people, it probably makes more sense to recommend something like a vanguard target fund, so that they don't have to think too much about it or remember to rebalance as they near retirement (or actively choose not to rebalance b/c the market is currently good and then get walloped by a crash).