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

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)。

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The simplest method of help is through asset allocation funds like balanced and target date funds.

FORBES: 7 Valuable Benefits You May Not Even Know You Have

But there are several worrisome aspects to this growing reliance on target date funds.

FORBES: Target Date Funds Devour Nation's 401(k)s! Disney Or Hitchcock?

Moreover, 27% of new contribution dollars went into target date funds, up from 4% in 2006.

FORBES: Target Date Funds Devour Nation's 401(k)s! Disney Or Hitchcock?