Provided participants are enrolled, contributing, and invested properly, inertia helps to create positive participant outcomes. Having reviewed the account records of more than 22 million participants, the Investment Company Institute found that in 2008: Only 3.7% of participants stopped contributing; Only 14.4% changed the asset allocation; and Only 12.4% changed their contribution investment mix. If you prefer our printable PDF newsletter, we included it as an attachment to this article. As always, we hope you find our newsletter informative. We invite you to comment on and share this article.