Produced on Long
Island, Mirror Images features both young people and older Americans
discussing their experiences and juxtaposing the challenges of today with the
challenges of yesterday, while united in their hope for the future .
Others who do participate in an employer-sponsored retirement plan are
simply not saving enough.ing.

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- Asset Allocation - Over both the three and five year period, investors
who included an asset allocation fund in their portfolio were
significantly more likely to beat the S+P 500 than those who did not.

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com/us, or call your ING
field representative.

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com or call 1-877-END-BIAS. and ORLANDO, Fla.
The tenets of behavioral finance, a discipline that combines the cold
analytics of finance and investing with the human element of emotion, indicate
there are emotional reasons that cause people to make mistakes in retirement
plan investing.
- Irrational Investment Decision Making - Rather than using analytical
tools, many people invest based on "irrational biases," such as
arbitrary rules of thumb, familiarity, overconfidence , and fear of
loss. "But there are ways for companies to help their
employees make better decisions when it comes to investing in their workplace
retirement plan. Younger workers tend to invest too
conservatively (do not invest enough in equities), and older workers
tend to invest too much (too aggressively).

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Non-profit organizations
will discover a great resource in the Mirror Images series since it will help
to foster understanding among co-workers from different backgrounds and
enhance service delivery to a wide range of populations. Department of Justice.
The report examines how these emotional behaviors can impact an investors
investment decisions and discusses some of the solutions that employers can
make to encourage "good" behavior by employees that participate in their
employer-sponsored retirement plans.
- Information Overload and Analysis Paralysis - When there are too many
choices -- both in the "real world" and within a retirement savings
plan -- people may be overwhelmed, and make no choice at all, which
could have detrimental effects for retirement planning."
The various emotions and human impulses can negatively effect how
participants invest including:
- Poor diversification -- participants have poor diversification with
respect to equity exposure.
Yet just 34 percent of the investor population uses these funds.
"The solutions proposed in this report each have the potential to improve
the retirement preparedness for participants of employer sponsored retirement
plans, " said Haendiges.

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It can be effectively
used with young people from middle school through high school and on college
campuses.

Contact:

Jeffrey L.
Common emotional and behavioral drivers include:
- Procrastination and inertia - While most people know they should
contribute to their workplace retirement plan, many put off doing so.

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For more information,
visit http://www.

"The power of emotional behaviors and their impact on how individuals
invest cannot be underestimated," said Brian Haendiges, senior vice president,
ING Defined Contribution.

About ING
ING Group is a global financial institution of Dutch origin offering
banking, insurance and asset management to more than 60 million private,
corporate and institutional clients in more than 50 countries. For more information, visit http://www.

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Mirror Images underscores the fact that change is possible if people
refuse to accept prejudice, hatred and discrimination."
To access a copy of the report, go to http://www. ING holds top-tier
rankings in key U.

Such people are usually in academic or research or institutional settings.

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Y."
For information or to order Mirror Images, visit
http://www. Reynolds, MPA
BiasHELP VP/COO
631-385-2451

This release was issued through eReleases(TM).com .

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In this time of
terrorist threats, when people are fearful and suspicious of anyone who is
different , Mirror Images is a unique resource for training government
employees, as well as first responders like police officers, firefighters,
EMTs and hospital staff.S.mirrorimagesdvd.
- Fund Choice - over the longer-term period studied (five years), the
participants who most significantly outperformed the S+P 500 Index
invested in between six and 15 funds.

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, BiasHELP of Long Island is proud to
announce the release of a new educational DVD series entitled Mirror Images -
Reflecting Back, Looking Forward. Human Resource Directors will find the series valuable for all
aspects of workplace diversity training.
One participant in the series shares, "from the schools to the boardrooms,
we have to learn to respect each other's differences. Additionally, regular, ongoing and simple communication
(versus simply relying on traditional "education / enrollment meetings ") about
retirement plan investing - not just at one point in time - may help employees
feel good about participation decisions and help them understand their options
and help them make the appropriate investment decisions.

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Participants in this series are real people
who represent and discuss, on film , the four major faces of diversity in
America - race, ethnicity, religion and sexual orientation .

Emotions and Human Impulses Drive Retirement Investment Decisions

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HAUPPAUGE, N.com . Only
12 percent rebalanced the optimal number of times (four to eight). Yet the average number of funds
used by 401(k) participants was just 4.ing. With a diverse
workforce of more than 113,000 people, ING comprises a broad spectrum of
prominent companies that increasingly serve their clients under the ING brand.

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It also will complement violence prevention and character education
programs.
- Rebalancing - revisiting allocation across asset classes four to eight
times per year tracks with a greater instance of beating the S+P 500.

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Gail Barouh - the series creator - has
over twenty years' experience as the Chief Executive Officer of several non-
profit health and human service organizations. "ING recognizes the need to work closely with
employers to continue to look for new ways to help them, help their employees
make the right decisions when it comes to investing for retirement., the ING family of companies offers a comprehensive array of
financial services to retail and institutional clients, which include life
insurance, retirement plans, mutual funds, managed accounts, alternative
investments, direct banking, institutional investment management , annuities,
employee benefits, financial planning and reinsurance. markets and serves more than 15 million customers across
the nation.

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Mirror Images is designed to enhance cultural competence , foster an
appreciation for America's rich diversity, and to reduce
violence/discrimination against vulnerable populations.ereleases.
In the U.

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S. However, employers can play an important
role in providing employees resources to help make better retirement savings
decisions.
Yet 68 percent of those studied did not rebalance at all.

They are expected to have authored publications in social psychology.

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BiasHELP of Long Island Unveils Landmark Diversity DVD Series

It can also serve as an important
part of any comprehensive employee relations program and help to reduce
tensions and defuse conflicts before they start.
This important series was made possible by U."
"For employers, there's a new dynamic to building, implementing,
communicating and managing defined contribution plans, such as 401(k)s,
403(b)s and 457 plans, given the vastly expanded role they are being called
upon to play in helping employees plan for their future retirement income.

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Representative Steve
Israel and Long Island's Congressional delegation through a grant awarded by
the U.

The report discusses various elements employers can use in their Defined
Contribution plan to help their employees make better retirement plan
investment decisions.

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" Other people speak
about gangs, racial profiling and stereotyping in America. In this age when
everyone tries to be "politically correct," many people don't speak out when
they're uncomfortable with situations that might surround them at work or
school. She remarked, "Mirror Images
was created to help individuals and groups examine their assumptions and help
them become more culturally competent. - Can Compromise Long Term Retirement Security;
Yet, Employers Can Provide Help -

HARTFORD, Conn.

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It helps to drive home the fact that the more you
know and understand people from different backgrounds, the less likely you are
to be afraid of them or stereotype them. Dr. By increasing awareness of personal
biases, building specific skills and providing unique insights into the
historic struggles, current challenges and future aspirations of America's
diverse population, this DVD series is an invaluable learning experience.

Web sites of or by people conducting research or analysis in social psychology.

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, ING, a global
financial services leader, today released a report entitled Psychology ,
Emotion, Investing and Retirement: Exploring Participant Behavior in Defined
Contribution Plans that examines a growing body of data that sheds light on
how human psychology and emotion can cause barriers to adequately preparing
for retirement financial security. Plan design elements such as an employer match,
automatic enrollment, contribution increases, the inclusion of a target date
or lifecycle funds and a limited fund selection can help participant make
beneficial decisions.S.