As the stock market sags, retirement savers must revisit their long-term options.
A stock-market sag spilled into the second quarter, leaving little to be gained.
Markets there produce healthy returns, but some analysts expect a correction.
The first quarter of '08 witnessed many investors shifting from stock- to money-market funds. They may miss out on a recovery.
Risks have been rewarded by diving into Bangladesh, Ukraine, and other small developing nations.