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?

• 是否应该对不同年龄的参加者提供不同种类的基金，比如让年轻职工选择股权基金占多数的投资组合，而让年长的职工选择固定收入证券基金呢?