as they are required to do for discrepancies between high- and low-income workers . and Vanguard Group, two of the country’s largest retirement plan operators, both publish encyclopedic volumes on America’s investing habits that lack any reference to race or ethnicity.workers are largely expected to decide for themselves how much to save and which investments to choose .
Experts attribute lower investment rates to poor instruction on financial topics in public schools, and misconceptions about the risk of stocks within parts of the black community . Employers have also been urged to tailor their messages on to account for what some black and Latino executives say are important cultural differences ,They can choose from a menu of offered by their plan a dministrator, and some employers also match all or part of the employees’ contributions.black employees allocate their to far fewer investment types than whites, Latinos and Asians , suggesting a lack of diversification.a for the Institute .

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