A quiet revolution is reshaping how Americans invest for retirement — and it’s happening inside the nation’s most common retirement plans.

Target-date funds, once a simple “set it and forget it” tool, are evolving fast.

And retirees who ignore the shift could leave serious money on the table.

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The first target-date fund launched in 1994, and today these funds hold over $3 trillion in assets — accounting for more than half of all 401(k) plan balances nationwide.