Investors’ general inertia has caused most of them to stick with their 401(k)s. On the one hand, it’s a good thing they aren’t trading in and out of their retirement funds, but their lack of interest is hurting them, Dow Jones reports.

Hewitt Associates just reported that savings and investing habits remained virtually unchanged in 2008, despite a median loss of 28% in 401(k)s, with the average plan balance dropping from $79,600 to $57,200. Likewise, Fidelity found that only about 5% of investors made trades in their 401(k)s last year.

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