BM, I have to disagree with you here. Everyone of my employees have kept their 401K contribution distribution the same as the market has gone down. I would imagine that most employees elsewhere have done the same. Also, mutual fund cash levels last I saw them are running about 4.5%. About the same as they were in 1999. Money has flowed into money market and bond funds but with the more conservative nature of today's market I wonder how easily it will be reallocated to stocks.
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