Can you Guess the Financial Innovations of the Last Century?

What do you think is the most impressive financial innovation of the 20th Century? If you said credit cards, then you're in line with others who also think this is the niftiest invention of the last 100 years.

Kiplinger.com conducted the poll of its readership to determine which products, services and innovations had the most impact on personal finances. Following credit cards was, in order, FDIC insurance of bank deposits, mutual funds, and Federal laws that created IRAs and protected employee benefits in pension plans.

Others made the list, of course, including ATMs, direct deposit capabilities and the very recent ablility to trade stocks online.

The entire poll results are available online.

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