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More Americans spent less time in the last year planning for an investment for their retirement years than choosing a restaurant, flat screen TV or tablet, according to an annual
survey by TIAA-CREF, a financial services provider.
The survey polled a sample of 1,008 adults nationwide in February 2014 on their behaviors regarding individual retirement accounts (IRAs).
Source: TIAA-CREF 2014 IRA Survey
401(k) Matches Left on Table
Sixty percent of those who are contributing to an IRA also have an employer-sponsored plan such as a 401(k) or 403(b). Among those with both plans, more than half (53 percent) say they contribute to their IRA regardless of whether they have reached the contribution or matching limit of their employer-sponsored plan. This means they could be leaving money on the table if they are diverting money to their IRA before contributing enough to get their employer match.
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