All is not well in retirement-land; 401(k) loans are gettingbigger and baby boomers are putting too much money into stocks.

That’s according to Fidelity Investments’ latest quarterlyretirement savings analysis of 401(k)s and individual retirement accounts(IRAs), which found that many older participants in401(k)s, including boomers nearing retirement age, havestock allocations higher than industry experts recommend for theirage group.

In comparing average asset allocations in the accounts toan age-based target-date fund (TDF), Fidelity foundthat 18 percent of people aged 50–54 had the allocation to stocksin their accounts that were at least 10 percent or even more abovethe recommended allocation level.

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