Men and women are saving more for retirement, according to research from MassMutual Retirement Services, but men are paying more attention to their accounts and taking more positive action.

The average retirement savings rate among those surveyed was 10.5 percent, up from 9 percent two years ago, according to MassMutual's most recent nationwide survey of American workers who are eligible to participate in a workplace-sponsored retirement plan.

On a less positive note, 34 percent believe the U.S. will be in a recession in the next 12 months.

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