Another 16.28 million investors could begin trading on-line in two to three years, according to an on-line survey of 20,119 people.

If that migration occurs, the value of assets held in on-line accounts could increase by more than $1.1 trillion, according to the survey, which was conducted by the electronic commerce consulting firm Gomez Advisors Inc. of Lincoln, Mass., and Harris Interactive, a Rochester, N.Y.-based market research company.

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