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4/28/2006: The Inattentive Participant-- Portfolio Trading Behavior in 401(k) Plans (PDF) (University of Michigan Retirement Research Center [MRRC])
Excerpt: Using a rich new dataset on 1.2 million workers in over 1,500 plans, we find that most 401(k) plan participants are characterized by profound inertia. Almost all participants (80%) initiate no trades, and an additional 11% makes only a single trade, in a two-year period. [Working paper no. 2006-115]
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