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。

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.

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Vanguard的研究显示，2008年仅有2.5%的目标日期型基金持有者出售了他们的基金(因此免受损失)。

Research by Vanguard shows that only 2.5% of target-date holders sold out of their funds (and thus realised their losses) in 2008.

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