Contrary to Chicken Little, 401(k) investors don't think the sky is falling. The Investment Company Institute (ICI) released data that showed Americans are still contributing to their 401(k) plans.
There was a lot of data in the ICI study. One particular piece of the study found that 401(k) loan activity has been flat for a decade and that hardship withdrawals and contributions are "in line with historical numbers." Popular opinion might believe otherwise; hard times might have forced savers to take loans/withdrawals from their 401(k) plans. ICI's study is just part of the story.
The ICI study shows the rosy side of the story; those that are working have remained disciplined. On the other hand, Hewitt Associates found that 46% of employees who left their job last year took a cash distribution from their 401(k). This number, according to Hewitt Associates, surprisingly, hasn't changed since 2005.
So, according to these studies, it doesn't appear that 401(k) investors (whether employed or unemployed) have significantly changed their behavior -- whether good or bad.
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