Since its inception in 1997, the Alight Solutions 401(k) Index™ has provided a front row seat to the trading and investing behavior of millions of workers. Over the past 20 years, two major trends have emerged:
401(k) portfolio allocations have changed dramatically
Trading activity has steadily decreased except when market corrections occur
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Trading activity in retirement plans was light during the third quarter of 2025, according to the Alight Solutions 401(k) IndexTM. As stocks climbed to record highs, most participants chose to stay the course and watch their balances grow.
Trading activity in retirement accounts picked up in September, according to the Alight Solutions 401(k) Index™. Many investors chose to move their money out of stocks into fixed income funds, showing a clear preference for safer options as the stock market was posting record highs
August was a quiet trading month for retirement plan investors, according to the Alight Solutions 401(k) Index™. Trading activity remained low, with zero above-normal trading days.
