Half full? In these dire times, we tend to think half empty, if not drained, when it comes to our retirement plans. Over the last three years, the downturn has eradicated at least $678 billion in U.S. retirees' savings, according to the University of Michigan.

However, two newly released studies suggest 401(k) participants continue to have faith in the system. Through a joint pairing, an Employee Benefit Research Institute (EBRI)/Investment Company Institute (ICI) survey on 401(k) participants found, on the whole, "401(k) plan participants continued to display a long-term investment strategy."

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