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In other words, do not be complacent with these discs. Even when we generally learn that savers are doing well, take the time to check your plan and make sure you're on the right track, said Douglas Boneparth Chartered Financial Planner, president of Bone Fide Wealth in New York.
"I would feel bad if someone thought that they were fine because everyone is fine," he said. "The worst thing to do is to be under the impression that you're fine, when you have no idea how you are doing."
Fidelity's analysis highlights some trends that indicate that consumers could progress toward success in their retirement accounts.
On the one hand, several employees use target date funds in their portfolios, with 50.4% of the 401 (k) savers putting all their assets into one. Target date funds invest in a diversified mix of underlying equity and bond funds, with the allocation becoming more cautious as your retirement approaches, though They can still fight against a downward market.
According to Fidelity, one in 10 investors had 10 years ago a portfolio that was significantly underexposed or overexposed to equities, making it less risky to go bankrupt. This includes 16% of which the entire account was in stock and 10% who did not have one.
"Today, only 10% are an extreme or the other," Murphy said. "We have seen a big correction, a hand offered by products such as target date funds."
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