Millions of people with 401(k) accounts have missed out on the recent market upswing because they've held too few assets in stocks, Spectrem Group says. Many investors were stung by market losses in 2008 and never returned to equities, Linda Stern writes. Investors in 2006 had 59% of their 401(k) money in stocks, and that dropped to less than half at the end of last year, Spectrem Group said.

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