From the starting point of 'Even as more people are accumulating balances through employer-sponsored 401(k) saving plans and individual retirement accounts, personal saving-which does not reflect gains on existing assets-has declined.', does 'Personal savings are increasing.' follow as a logical conclusion?
Even as more people are accumulating balances through employer-sponsored 401(k) saving plans and individual retirement accounts, personal saving-which does not reflect gains on existing assets-has declined.###Personal savings are increasing.