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How Employees Allocate Their 401(k)s

By Staff Report

Oct. 2, 2003

This chart shows the average asses allocation of 401 (k) accounts, by participant age, expressed as a percentage of account balances. The data is from 2001.



Age
Cohort
Equity
Funds
Balanced
Funds
Bond
Funds
Money
Funds
GICs3 and other Stable Value Funds Company Stock Other Unknown Totalh
20s

58.6 %


8.7% 6.1% 5.6% 6.1% 13.8% 0.6% 0.4% 100%
30s 58.0 8.0 5.7 4.2 6.5 16.5 0.8 0.3 100
40s 51.6 8.1 6.5 4.7 9.8 18.1 0.9 0.3 100
50s 45.1 8.0 7.9 5.5 14.8 17.3 0.9 0.3 100
60s 36.2 7.8 10.7 6.3 24.0 14.0 0.8 0.2 100
All 47.7 8.0 7.6 5.2 13.6 16.8 0.8 0.3 100
Source: Tabulations from the EBRI/ICI Participant Directed Retirement Plan Data Collection Report
3 Guaranteed investment contracts
h Row percentages may not be added to 100 percent because of rounding

Reprinted with permission ofEBRI.

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