Many millennials are perfectly happy making their own investmentdecisions, but that doesn’t mean they’re discounting professionalfinancial help.

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That’s according to Schwab Retirement Plan Services, which findsin a survey that 64 percent of millennials say they are very orextremely confident making investment decisions by themselves,compared with 47 percent of GenXers and 39 percent of boomers.

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But they’d be even more comfortable with a professional helpingthem out; 85 percent said they’d be very or extremely confident ifthat were the case.

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In fact, a whopping 93 percent of millennials would takeadvantage of a financial wellness program at work, and 64percent feel their financial situation could use professionaladvice even though they’ve had less time in the workforce toaccumulate wealth than other generations.

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Millennials also stress more about money and issues related toit, with 35 percent saying financial stress has affected their jobperformance.

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GenXers and boomers aren’t quite so concerned, with 18 percentof the former and 11 percent of the latter under financialstress.

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But then millennials, even though they’re beset by the stress ofstudent loan debt—24 percent of them specifically cite that as thecause of their financial stress—are more likely than older workersto put any money left over at the end of the month towards their401(k): 34 percent of them report doing so, compared with 20percent of GenXers and 8 percent of boomers.

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The younger generation is also much more conscious of investmentcosts; millennials keep their eye on the fees charged for theirretirement investments. Half of them (51 percent) say that feesinfluence their choice of 401(k) investments “a lot,” compared with40 percent of GenXers and 38 percent of boomers who say thesame.

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One thing is true about all three generations, however: allrecognize the importance of the 401(k) in helping them meet theirretirement savings goals, with 86 percent of millennials, 90percent of GenXers and 84 percent of boomers considering it a“must-have” benefit.

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