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It’s said 401k accounts are making the U.S. an “ownership society.” If so, it’s a peculiarly passive sort of ownership, and one in which many people don’t yet own a whole lot. A report by Hewitt Associates says 401k balances rose an average of 35 percent last year. This put the average balance at about $64,600, “which exceeded 1999 levels for the first time.”

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