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Wall Street Wants to Change the Rules for Your 401(k). It Could Put Your Retirement at Risk.
(www.propublica.org)
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Given your reading comprehension I would not recommend you read the prospectus.
Like I said, if you can't/won't inform yourself just play it safe with index trackers and age based funds. If you can't/won't inform yourself and still decide to invest in risky high-fee funds, you share at least some of the blame with the people who offered you those funds.