And target-date funds -- even those designed for investors on the brink of retirement -- dealt investors a blow as all their supposedly diversified holdings seemed to go down at once.

而目标日期基金也给了投资者沉重打击，其持有的资产号称多样化，但似乎同时下跌，即便是专门针对即将退休的投资者的基金也未能幸免。

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But I also fancy the simplicity of target-date retirement funds which increasingly 401 (k) plans are offering, too.

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Others, such as target-date retirement funds and 529 college-savings-plan funds, are managed with a specific date in mind and grow more conservative as that date approaches.

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Rowe, which operates one of the largest no-load mutual fund complexes in the U.S. Some 75% of its assets under management is invested in equities and 25% in target-date retirement funds.

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