Roth and traditional individual retirement account owners had the highest percentages of “extreme asset allocations”, according to an October 2013 report from the Employee Benefits Research Institute.
The research reveals that, among all investors, Roth and traditional IRA owners had allocated in 2011 more than 90 percent of their investments into equities or more than 90 percent of funds into money. Traditional rollover owners had the lowest percentage of investors with more than 90 percent of investments in equities.
The report defines extreme allocations as having less than 10 percent or more than 90 percent of funds invested in a particular asset category.
Roth and traditional contribution IRA owners were more likely to have extremely low percentages of money and bonds. In contrast, traditional rollover and SEP/SIMPLE owners were much more likely to have 10 percent or less in equities and 90 percent or more in money funds.