More than one-third of people who invest in IRAs, plan to use them as investment vehicles to bequeath money to their children or other heirs, according to a survey by American Skandia Life Assurance of Shelton, Conn.

Thirty-four percent of investors in IRAs, view them as estate-planning rather than retirement savings vehicles, according to the survey of 200 retail investors. American Skandia conducted the survey online at its website in mid-February.

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