From big-ticket spending to long-term planning for their futures, American investors are taking a more conservative approach to handling their money, according to industry professionals.

The Investment Company Institute studied American households late last year and found that 75% of respondents with financial investments had continued to save the same or greater amounts compared with three years ago. This was true whether for funds inside or outside retirement accounts. Also, 37% of respondents said they had moved away from stocks toward bond and money market assets, adopting a more conservative mindset.

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