Nearly half of Americans surveyed say they will pursue new investment strategies if their retirement account balances are lower at the end of 2001 than they were in January. But as consumers struggle to cope with the economic downturn, employers say they're unprepared to provide the retirement-planning information employees need to make informed decisions.

These were among the findings of the " Workplace Report on Retirement Planning," two separate surveys commissioned by CIGNA Retirement & Investment Services during the last two weeks in September. One poll was of 1,000 consumers; the other was of 504 human resource executives involved in the administration of their companies' retirement plans.

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