While some respondents to Betterment's survey say they're trying to save more today than they did in 2008, that doesn't mean they're investing more. (Photo: Shutterstock)

The savings behavior of people with 401(k) plans really took a hit in the wake of the 2008 market crash, and the lingering effects reflect not just changes in their strategies but also their methods.

So says the “Consumer Financial Perspectives Report: 10 Years After the Crash” from Betterment, which explores the current retirement savings behavior of people a decade after their original plans and strategies were upended.

Those effects have been pervasive; says the report, “…2008's financial crisis had a deeply damaging effect on overall attitudes toward Wall Street and trust in the markets. People are skeptical of Wall Street, anxious for another crash, and investing less than ever.”