HUNTINGTON BEACH, Calif. - Despite the recent daily thousand-point swings in the Dow Jones Industrial Average and the understandable uncertainty among investors, Individual Retirement Accounts and 401(k) plans still remain American's dominant and trusted retirement vehicles.

That trend is expected to continue as retirement plans automatically enroll participants into qualified default investment alternatives like target-date funds, and investors continue to buy into the notion of the rewards of long-term holdings.

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