Automatic money decisions, like target-date funds, makes investing easy

July 12, 2025

For example, more employers automatically enroll employees in their retirement plans. Employees can always opt out, but relatively few do. In the Vanguard database, plans with automatic enrollment had a 94% participation rate compared to 64% for those relying on voluntary enrollment. Retirement savings rates are up, and among the factors behind the gains are plans that automatically increase how much workers save.