What workers do with their employment-based retirement savings when they leave or change jobs depends largely on whether they retire or stay in the workforce, according to the nonpartisan Employee Benefit Research Institute.

Unsurprisingly, EBRI’s analysis, which focused on the financial behavior of job changers over age 50, found that among those still working, the most common action was to leave the savings in a previous employer’s plan and that, among those retiring, the most common choice was to take the money.

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