Should plans offer different funds based on age of participants , allowing young workers to select aggressive , stock - rich portfolios of funds and older employees to gravitate toward fixed - income funds 是否應(yīng)該對(duì)不同年齡的參加者提供不同種類的基金,比如讓年輕職工選擇股權(quán)基金占多數(shù)的投資組合,而讓年長(zhǎng)的職工選擇固定收入證券基金呢?