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Three (Bad) Reasons 401(k) Investors Are Over-Cautious
Fiduciary News; registration may be required 
Apr. 10, 2013
"Investors look at the short-term, especially after market collapses like 2008/09, because they revert to a 'safety first' mentality.... For those unwilling or unable to work with an individual adviser, ... the best way to cure the problem of over-cautiousness comes down to this simple rule: 'Don't look at the short-term media.'"
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