* mutual funds & securities – 27% * cash-value insurance products (investment management accounts, trusts) less than – 10% (includes non-members) Use of retirement products by CU members * some form of retirement account – 6% * 401K – 49% * traditional IRAs – 45% * Roth IRAs – 10% * SEP/Keogh – 6% * non-retirement securities (individual stocks, bonds, gov't. treasury bills) – 43% Avg. amount investment in retirement accounts * avg. retirement balance – $99,982 * traditional IRAs – $69,088 * Roth IRAs – $23,910 * 401K – $64,047 * SEP/Keogh – $51,465 Source: PSI Global 1999 Retail Financial Services/CUNA