Americans are divided on their outlook for the economy in 2010, with 32% thinking the status quo will prevail, 28% expecting things to get worse, and 29% hoping for improvement, according to a survey by Country Financial.

“With the past few months of mixed economic signals, most Americans are still uncertain about their financial future,” said Keith Brannan, vice president of financial security planning for Country Financial. “However, many people have adopted smart ways of dealing with the financial uncertainty, like paying down debt and saving money. These smart choices, along with reviewing and updating their financial plans, can help Americans achieve financial security.”

Fifty percent were about to set money aside for savings or investments in December, up from 47% in October. This was the largest figure for the year. Also in December, 44% rated their overall level of financial security as excellent or good, up from 41% in October, also the largest reading in a year.

However, of the 23% who expect a year-end bonus, 47% will use that for paying off debt, and only 28% will save the money.

Subscribe Now

Access to premium content including in-depth coverage of mutual funds, hedge funds, 401(K)s, 529 plans, and more.

3-Week Free Trial

Insight and analysis into the management, marketing, operations and technology of the asset management industry.