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If they're not careful, mutual funds could start to lose their stickiest assets — 401(k) retirement funds. With Americans aging and changing jobs more often, rollovers are forecast to explode. It's not unusual for such accounts to reach $1 million now ?a and to head to banks or brokerages' individual retirement accounts, siphoning assets from fund firms. In 1999, the $2.5 trillion IRA marketplace, in which the fund industry lacks servicing skills, surpassed 401 (k) assets for the first time. "It's a potential minefield," adds Consultant Kurt Cerulli of Boston's Cerulli Associates Inc. "It's a market more about advice and guidance. Fund dollars are starting to shift."

The main idea of the paragraph

With Americans aging and changing jobs more often, they allocate more money to their individual retirement accounts, siphoning assets from fund firms. If they are not careful, mutual funds could start to lose their 401(k) retirement funds.

随着美国进入老龄化以及美国人更频繁地更换工作，他们把更多的钱转到个人退休金账户上去，从而从基金公司抽走了他们的资产。如果基金公司再不小心翼翼，共同基金就可能会失去他们的401（K）退休储蓄基金。

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