Many investors with a retirement plan are increasing allocation to mutual funds, according to the 2025 Retirement Readiness Research Report by . The study found that mutual fund adoption among those focused on retirement has risen to 35% in 2025 from 24% in 2023 , indicating growing trust in market linked products. Investors with a retirement strategy also showed higher engagement with ETFs and REITs compared with those without plans, reflecting broader diversification trends.