Fidelity Investments' most recent survey indicates a major shift underway in the strategies stock plan participants are using those benefits: Most are aiming their future proceeds as retirement or investment.

The study indicates that 57 percent of company stock plan assets are now earmarked for eventual investment or retirement savings plans, and only 13 percent are being targeted to pay off bills or future debt.

In the past, heavier emphasis was placed on using those assets for bills or financial needs (32 percent) and less than a quarter was aimed at retirement needs.

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