Four by 401(k): Most investors fall into 4 core groups
I have done a lot of 401(k) plan participant education sessions over the years. As a result, I may know your 401(k) plan participants better than you do (without ever having met them!). That's because I've found that most 401(k) retirement plans have four participant investor groups. These groups are: core-funds investors, index-funds investors, specialty-funds investors and target-date funds investors.