Most 401(k) savers may be short-changing themselves, data shows

You might think that finding the money to contribute to your 401(k) is the hardest part of saving for retirement. But choosing the right investments can also be challenging.For this reason, many 401(k) savers take the easy way out and let their money land in a target date fund. A good 61% of 401(k) plan participants, in fact, had their money in a target date fund last year, according to Vanguard's preview of its latest How America Saves report.But while target date funds can be an effective solu