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Excerpt: First, though, a sad truth: Many 401(k) plans aren't assembled by folks who know much about investing. As a result, your array of options may seem random and confused; other times, the lineups might seem narrowly restricted. And while choosing an index fund is always an easy out, many 401(k) plans -- if you can believe it -- still don't afford participants that seeming no-brainer of a choice.
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