BLACKROCK IS BUILDING CUSTOM 401K TARGET DATE FUNDS FOR COMPANIES. NOT ONE GENERIC FUND. BUILT AROUND EACH WORKFORCE. CAN MIX STOCKS, PRIVATE EQUITY, PRIVATE CREDIT, AND LIFETIME INCOME. YOUNGER SAVERS GET MORE PRIVATE ASSETS. TAPERS NEAR RETIREMENT. USED TO BE FOR GIANT PLANS ONLY. NOW ROLLING OUT WIDER. EMPLOYERS MUST OPT IN.