For Americans saving for retirement, 2011 was another lackluster year, filled with lots of risks but few rewards.
Savers who tried to avoid risks by putting money into federally insured savings accounts earned almost no interest. The money just sat there, even as inflation ate away at its value, with consumer prices rising nearly 3.5 percent this year.
And for those who invested in a broad array of U.S. stocks, the results were — at best — mixed.