Now that the bear market has taken its toll on all Americans, including the wealthy, those with deeper pockets than most are looking to take a pragmatic approach to recovering losses and building for the future.

A recent Phoenix/Harris Interactive survey shows that there are six distinct segments of affluent investors, all with different abilities to meet personal financial goals. Perceptions have certainly changed over the last few years as 43% of the wealthy now consider themselves "more savers than investors," while 57% admit their years of excess spending are long gone. And, more than half, 58%, indicated that its more important to preserve the safety of their capital, even if it means lower returns.

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