都是跟着工作的地方走，你单位提供的fund我们不一定有，我有的你不一定有。你可以

compare all funds available to you. Check their 1 year, 3 year, 5 year, 10 year performance, check fund's composition and allocations. You can get all these information through each vendor's website, then pick the ones suitable for you. That's how I picked mine. I am on a little aggressive side since I still have some years to retire. My own backdoor ROTH IRA, I put money on VGT and VFIAX (both at Vanguard), YTD for 2025 is 17.2%. Whatever money on these two will stay there forever. From the coming year, I will choose some other funds for ROTH money to diversify.