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 Are you using these improved investing strategies in your retirement account, too? AshTproductions / Shutterstock.com

Americans appear to be getting a little wiser about saving for retirement. Rather than frittering away money on unwise investments, workers recently have shown a shrewder understanding about where to put their hard-earned cash, a study by Vanguard Investments finds. Vanguard’s “How America Saves 2023” report — which examines the retirement plan data from nearly 5 million plan participants — has…

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