401(k) investors aided by professional investment advice—be it in the form of a target-date default investment, managed accounts or bona fide online advice—earn nearly 2% more (186 basis points) than those who do not receive such help, according to a joint study by Hewitt Associates and Financial Engines.

Titled, “Help in Defined Contribution Plans: Is it Working and for Whom,” the report analyzed the portfolios of 400,000 investors. While the snapshot results year-by-year are not that impressive, the companies emphasized that by age 65, a 45-year-old  who uses professional investment help will have a retirement savings account 47% larger than someone who didn’t get the help. The difference is even more dramatic for the 40-year savings horizon of a 25-year-old, who ends up with 103% more.

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