woman pondering to save or spend More employees are keeping all their money in a TDF, Fidelity says — especially millennials, at 70 percent compared with 52 percent overall. (Photo: Shutterstock)

As of the end of the first quarter of 2018, the average retirement account balance for workers saving in both a Fidelity IRA and a Fidelity workplace retirement account, such as a 401(k) or 403(b), is up by 9 percent from the end of the first quarter of 2017.

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