As a recent Financial Engines analysis of more than 2.8 million 401(k) participants found, automatic enrollment is already having an impact on the participation rate, savings and asset allocation of new, primarily younger hires.

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Both the pathetic 13% participation rate and alarming 44% company stock asset allocation are facts well-known to the sponsor of the plan which, if it cared about worker preparedness for retirement, the sponsor could have done something to address.

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And exchange rate adjustment has usually been a key policy tool to ensure this re-allocation.

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The rationale for the high allocation is that you need your assets to grow, and at a rate that preserves your ability to purchase goods and services.

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Second, this rate of return is then matched to the expected returns of the asset classes to find the allocation in stocks, bonds, and cash that best fits the return requirement.

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If everything you own is moving in the same direction, at the same rate, your portfolio is probably not well diversified, and you could stand to reconsider your asset-allocation choices.

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