Investor literacy is more important today than ever, given the sea change in how consumers use the stock market, says Lori Schock, director of the Office of Investor Education and Advocacy at the U.S. Securities and Exchange Commission (SEC). 

Investing used to be largely the domain of the wealthy at a time when people would have lengthy tenures at one job and most retired with a company-paid pension that lasted their lifetime. However, when self-funding your retirement through vehicles like 401(k)s became more prominent, average consumers started to need to understand investments.

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