Image credit: Stuart Miles

Shifting trends in investments – and the long-term fears that retirement savers have developed after being burned by the stock market in past years – have led to a significant growth in target-date funds in America’s 401(k) accounts, among other diversification measures.

According to 401(k) Plan Asset Allocation, Account Balances and Loan Activity in 2011, a joint study created by the Employee Benefit Research Institute and the Investment Company Institute, nearly three quarters of 401(k) plans offer TDFs as a part of their investment options by the end of 2011, up from 57 percent back in 2006.

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