At the request of investors, fund companies are increasing the equity exposure in their target-date, or lifecycle, funds, Fidelity and Vanguard being two of the biggest firms to do so recently.

Baby Boomers and financial advisers realize that with the life expectancy of many people reaching 95, retirees are going to need their nest egg to last longer than in years past. And even in retirement, many investors are also investing more aggressively.

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