HOBOKEN, N.J. — As economic conditions continue to look grim, readers responding to the Credit Union Times online voting poll said that members are becoming more conservative when it comes to their investments and retirement plans.

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The majority of readers, 69%, responded that members were acting more conservatively to the question: "Given the economic downturn, subprime crisis and tightening of credit, how are members reacting when it comes to their investments and retirement plans?"

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Twenty percent of voters said that they haven't noticed any significant changes in investments and retirement plans. Six percent said they are seeing more requests for financial planning meetings. Five percent said that members are actually being more aggressive.

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