If employees won’t do it themselves, some employers are doing itfor them — rebalancing their retirement plan portfolios, thatis.

And it’s not as complex as it might sound. The Wall StreetJournal reported that some employers are going beyondauto enrollment to conduct a blanketauto enrollment of all their employees in target-date funds —unless the employees opt out.

And that’s bringing employees better diversification than mostof them have when left to their own devices.

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