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Year end usually presents a good time for personal reflection back to previous excesses that may have lasting consequences. Seldom do ordinarily conscientious folks look back for times in which they could have done more. Only here we are not talking about office parties, but rather retirement savings in the form of 401(k), 403(b), 457 and IRA accounts. Retirement savings habits, however, do present a case where more action attendant to savings, variety, costs and trading could have brought better investment returns in 2011 and beyond.

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