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.

Businessman in blue suit reviewing documents in a bright office, with a laptop in the background
By TFC Team May 26, 2026
Thornapple Financial Center explains 2026 retirement plan limits, catch-up rules, and how a midyear checkup can help you raise contributions.
Woman analyzing stock charts on multiple monitors at a desk in a modern office
By TFC Team May 26, 2026
Learn what value investing is, how Benjamin Graham shaped it, and why investors still use it to spot undervalued stocks and manage risk.
Two smiling people in a bright kitchen, one holding up a small green plant.
By TFC Team May 26, 2026
Thornapple Financial Center explains first-time homebuyer programs, FHA loans, down payment aid, and lower-cost mortgage options.
Two people standing in a doorway, talking and holding mugs and papers in a bright office hallway
By TFC Team May 26, 2026
See pay transparency laws by state, including where salary range disclosure is required, where rules are pending, and what employers need to know to stay compliant.
Show More