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While 97 percent of women say they want their investments to grow during retirement, that doesn’t mean they’re being aggressive in their investments—for fear of risk. (Photo: Shutterstock)

Anyone who’s read Charles Dickens’s David Copperfield is probably familiar with Mr. Micawber’s financial recipe for happiness: “Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.”

Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.

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