You are managing your money or you are giving up that responsibility for someone else.
You are at your job to make money. How many years of hard work did it take you to build up that retirement nest? Then you hand over your hard earned money to someone else to manage and invest for you because you do not have the time or education to do it yourself.
That is what they want you to think.
Realize that most actively managed funds do no beat the market average.
The easiest and least time consuming method is to put your money in a low expense ratio Index Fund, like the S&P 500 or Total Market.
Stay away from fees.
It’s your money do you know where every cent is?