The biggest issue here revolves around 401k plans and being forced into selecting funds your provider has available. Larger companies get the lowest expense ratios for their employees, which is where I would expect to see the majority of investments (retirement accounts). Those expense ratios don’t change unless the company negotiates, but that is usually based on number of employees who are enrolled into the 401k plans for the company.
Tabs, past performance is not an indicator of future results. It’s also not uncommon for international/global/overseas type funds to have higher expense ratios. While those funds are more volatile they will tend to always produce higher returns over smaller periods of time, i.e. 34% return over the course of a year, but they could also have a -34% return over the same time period. It really comes down to your age and the risk you are comfortable with. A fund with a 0.1% expense ratio doesn’t mean you’ll make more money over the long term. While it does mean the fund will take more in fees, that’s not something to directly correlate. What you should be doing is diversifying based on your comfort level and finding similar funds and going with the lowest fees. Typically those are Vanguard/Fidelity due to their breadth of the funds and amount of money they have under management.
