How Are 401(k) Plan Participants Investing Their Money?

August 18, 2022

Created in 1996, National 401(k) Day has historically been celebrated on the Friday following Labor Day to shine a spotlight on this important employee benefit. Since the late 1990s, plans have evolved substantially, and most participants can now choose from a diverse variety of investments. The chart below shows how 401(k) and profit-sharing funds were invested in 2020.

plan-assets-chart

All investing involves risk, including the possible loss of principal, and there is no guarantee that any investment strategy will be successful.


Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.


All Securities Through Money Concepts Capital Corp., Member FINRA / SIPC

11440 North Jog Road, Palm Beach Gardens, FL 33418 Phone: 561.472.2000

Copyright 2010 Money Concepts International Inc.

Investments are not FDIC or NCUA Insured

May Lose Value - No Bank or Credit Union Guarantee

This communication is strictly intended for individuals residing in the state(s) of MI. No offers may be made or accepted from any resident outside the specific states referenced.

Prepared by Broadridge Advisor Solutions Copyright 2020.

Woman hugging an older person beside a laptop in a bright room
By TFC Team August 25, 2026
Learn how the Roth five-year rule works, how the timeline applies across IRAs and 401(k)s, and key rules for tax-free, penalty-free withdrawals.
People standing at a house entrance beside a white van parked on the street
By TFC Team August 25, 2026
Learn how relocating to a new state affects your taxes, including residency rules, remote work income, retirement tax differences, and part-year filing requirements.
Two office workers walk through a bright glass hallway, talking and carrying bags and papers.
By TFC Team August 25, 2026
Learn how index funds work, the concentration risks hidden in market-cap weighting, and how alternative strategies like Smart Beta and quantitative investing can fit into a diversified portfolio.
Two people and a child on a rope swing over a calm lake at sunset
By TFC Team August 25, 2026
Explore practical financial strategies, market insights, tax guidance, and retirement planning tips designed to help you navigate your financial future with confidence.
Show More