While investors of all stripes have had their confidence in the markets badly shaken, those sitting on a rollover from an individual retirement account, an inheritance or other windfall are in a particularly tough spot.

今各类投资者对市场的信心都严重动摇，而那些拿个人退休账户、遗产或其他意外之财进行滚动投资的人更是处于两难境地。

Should they invest the money all at once (so-called lump-sum investing) or dribble it into the markets in equal increments over a period of months or years (dollar-cost averaging)?

他们应该将整笔钱一起投资（所谓的一次性投资），还是分散到数月或数年中进行多笔等额投资（平均成本投资法）？

The answer depends, in part, on whether they are more concerned with maximizing their long-term returns or minimizing their short-term risk of losses