My pension is invested in the stock market. Should I be worried?
我的退休金都投到了股市，我该担心吗？

Most people start moving money into safer investments as they near retirement, so those with pensions invested in stocks and shares should still have time on their side. However, Bamford says there will be some people approaching retirement who are still exposed to the markets. "There will be people who have been completely caught out by this," he says. "They might have to reconsider their plans for retirement - the timing and their lifestyle may have to be different."

大多数人在临近退休时把他们的投资转成了比较安全的投资方式，所以，这些把退休金投入证券和股票的人此刻仍有时间。然而，, Bamford说，部分临近退休者仍有暴露于市场危机中的风险。“有些人将完全意识到这一点，他们必须重新审议自己的退休计划－－不论是在退休时间还是退休后的生活方式上都将被迫变得不同。”

Earlier this week, Hargreaves Lansdown said the value of personal pensions had fallen by a fifth since last year. The latest wave of falls will have wiped even more off their value. However, the firm's head of pensions research, Tom McPhail, says if you have more than 10 years until retirement the best strategy "is just to ignore what is going on at the moment". He explains: "This will all have probably played out by the time you get to retirement, so you should keep paying your regular contributions to your pension."

本周早些时候，Hargreaves Lansdown 曾说，个人退休金的价值自去年开始已缩水了五分之一。最近几天的下跌浪潮使得缩水数值变得更大。退休金研究公司的主管汤姆.麦克菲尔(Tom McPhail)说，如果离退休尚有10年以上，那么此刻的最佳策略就是“充耳不闻”。他解释说：“等到退休金开始发放时，很可能这一切都已经过去了，所以您应该保持退休金的缴纳。”