I have a 401k and have not done much messin' with it for the past few years. Recently, we have had an option added where we can pay an investment company (1.05%) to manage our funds for us. They would decide which funds to put our money into on a daily basis. They check out the situation in the morning and decide whether to be into stocks, or in money market funds. I am confused about whether to do this and whether the cost, which is considerable, is worth having them take over. Any readers out there know enough about this stuff to help me with some advice?