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The U.S. Needs Only One 401(k) Plan
John Rekenthaler, via MorningstarLink to more items from this source
Sept. 10, 2021

"Over the decades, the 401(k) industry has gradually standardized. Some variety remains, because sponsors tend to adjust their 401(k) plans incrementally rather than overhaul them abruptly. However, the drive toward conformity is clear: [1] Plan lineups are shrinking, as sponsors eliminate their actively run funds. [2] Almost every plan now includes index funds. [3] Ditto for target-date funds, which are usually a plan's default investment."

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