Early this year, even after she retired as a nurse at a naval air station in Jacksonville, Fla., Ms.Kuder still held 60% stocks and 40% bonds.

• 今年早些时候，甚至在她从佛罗里达州一个海军航空站的护士工作上退休后，库德的投资组合中股票和债券仍然分别占到了60%25和40%25。