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A recent survey by the Allianz Life Insurance Company of North America found that 51 percent of non-retirees question whether their 401(k), 403(b) and 457 plans are adequate ways to save for retirement. Twenty-seven percent of respondents said they believe the safest place for their money, after paying their expenses, is under the mattress.

Children’s college funds also are taking a hit because of the recent economic and stock market volatility. Twenty-five percent of those surveyed said they have reduced or stopped saving for college.

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