Another option is to choose a 'tactical asset' or 'tactical-allocation' mutual fund, or one that shifts among various assets, in an attempt to avoid getting caught in a painful downturn.

另一种方案是选择“战术性资产”或“战术性配置”共同基金，或者说是在不同资产间转换的产品，以避免在大跌中被套。

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Another option is a more broadly focused mutual fund that happens to favor tech.

WSJ: Upside: Why Tech Stocks Look Better��Even for the Risk Averse

The competition is pushing up the rates offered on deposits (some online banks are paying as much as 6% on current accounts) and pushing down commissions on mutual-fund transactions, option trades and other deals.

ECONOMIST: Brokers can still make money. But not from brokerage