IRA owners act with conviction — at least when it comes to their retirement accounts. A new study from the Employee Benefit Research Institute finds that most IRA owners — nearly 60% — have less than 10% or more than 90% of their savings in a specific investment category. EBRI found that 23.7% of IRA owners have less than 10% of their account in equities. And 35.5% have more than 90% in equities.