Workers hold more stocks in their retirement accounts — but do they know the risk?
1. 401(k) balances reached record highs in 2024. 2. 80% of 401(k) assets for under-65s are in equities. 3. Equity exposure is highest since 2000, raising concerns. 4. Volatility poses risks for near-retirement participants. 5. Target-date funds improved investment patterns significantly.