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.
( ( Even ( as ( ( more people ) ( are ( ( accumulating balances ) ( through ( ( ( ( employer-sponsored 401 ) ( ( -LRB- ( k -RRB- ) ) ( saving plans ) ) ) and ) ( individual ( retirement accounts ) ) ) ) ) ) ) ) ) ( , ( ( personal saving-which ) ( ( ( does not ) ( ( reflect gains ) ( on ( ( existing assets-has ) declined ) ) ) ) . ) ) ) )
(ROOT (S (SBAR (RB Even) (IN as) (S (NP (JJR more) (NNS people)) (VP (VBP are) (VP (VBG accumulating) (NP (NNS balances)) (PP (IN through) (NP (NP (ADJP (QP (CD employer-sponsored) (CD 401))) (PRN (-LRB- -LRB-) (NP (NN k)) (-RRB- -RRB-)) (NN saving) (NNS plans)) (CC and) (NP (JJ individual) (NN retirement) (NNS accounts)))))))) (, ,) (NP (JJ personal) (NNS saving-which)) (VP (VBZ does) (RB not) (VP (VB reflect) (NP (NNS gains)) (PP (IN on) (NP (NP (VBG existing) (NNS assets-has)) (VP (VBD declined)))))) (. .)))
Personal savings are increasing.
( ( Personal savings ) ( ( are increasing ) . ) )
(ROOT (S (NP (JJ Personal) (NNS savings)) (VP (VBP are) (VP (VBG increasing))) (. .)))