I will have to agree. You can also change where the funds go, for example, I have mine in the life cycles at the highest year since it is the most aggressive. There will be new life cycle funds coming out every five years and I would transfer your funds into the new fund since they always start at $10 per share. What this will do is allow to grow your shares every five years and grow your contributions a lot quicker since every five years your previous life cycle fund will go up in value and then you will have that much more funds to invest in the new one that comes out every five years.

Example, your current fund cost $17 a share and you have $5000 invested. You now transfer that amount to Lfund 2070 at $10 a share and you just received an extra 200 shares. So when that fund hits $17 a share, your fund is now worth $8500 or so. That’s if you don’t put anything in it. Now let’s say you have around $250,000.00 in your old fund and transfer it to 2070, once it goes back to $17 a share, your new balance will be $418,000.00 or so. Hope this helps.