401(k)项中,有2/3的结转到IRAs,无意中持有现金,造成长期增长风险。 2/3 of 401(k) rollovers to IRAs unintentionally hold cash, posing long-term growth risks.

先锋分析显示,三分之二以上的投资者在将401(k)余款结转到独立监管机构时无意中持有现金,对长期增长构成风险。 A Vanguard analysis reveals that over two-thirds of investors unintentionally hold cash when rolling over 401(k) savings to IRAs, posing risks for long-term growth. 许多人错误地认为,他们的资金是自动投资的,而专家则告诫说,由于回报率低和通货膨胀问题,不应保留大笔现金。 Many mistakenly believe their funds are automatically invested, while experts caution against keeping significant cash due to low returns and inflation concerns. 研究报告强调投资者对其资产分配缺乏认识,敦促更积极地管理退休基金。 The study highlights a lack of awareness among investors regarding their asset allocation, urging more active management of retirement funds.