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NEW YORK (TheStreet) -- BlackRock, the largest U.S. asset-management firm, says Americans need to consider different ways to ensure they have enough money in retirement, including reducing cash holdings and using exchange traded funds.

The stock market has been volatile, making investors skittish. Yet Treasury yields at 2% are barely keeping up with inflation, and there is a lot of cash on the sidelines earning almost nothing. That has left many investors discouraged.

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"Investors are looking for answers in a new world where the returns they once took for granted are constrained by historically low yields, market volatility and shifting investment patterns," BlackRock CEO Laurence D. Fink said. "Wherever I go, the question I hear most often is: 'So what do I do with my money?' "