If you don't have ETFs in your retirement plan yet, get ready, because the odds are in their favor. 

While they don't yet make up a major offering in plans, that's likely to change if growth continues at its present rate. Lipper data indicate that, as of Christmas Eve, U.S. ETFs had swallowed investor cash at a breakneck pace during the year, setting a new record — $143 billion in inflows during the year, compared with $137 billion in 2013, itself a record. 

Moreover, the assets in U.S. ETFs passed the $2 trillion mark for the first time during the same week. 

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