Excerpt: [I]ncreasingly, employers have begun offering so-called life cycle funds, which include broad mixes of stocks and bonds. By picking one life cycle choice, an investor can hold a nicely diversified portfolio.... The funds come in a variety of load and no-load share classes, but some advisors have been reluctant to try the offerings for one very good reason: life cycle portfolios are designed for do-it-yourselfers or people with small accounts.

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