Ken and Daria Dolan, America's First Family of Personal Finance, answer your money questions every Friday.

Click here to ask Ken and Daria your question.

The financial crisis is taking on a new victim: retirement. Planning and saving is hard enough, let alone trying to do it in the midst of a market meltdown! These are unprecedented times, folks, and your nest egg could get hit hard if you aren't careful.

We have heard from many of you wondering where to put your retirement money without the risk of losing it all. Here's our answer designed to keep you on the right savings path and protect your money in our shaky economy.

Dear Ken and Daria,

I am 20 years away from retirement and have been re-considering my portfolio allocation. What is the right mix in this economy?

-Gary

Not sure how to allocate your retirement funds? Visit Dolans.com for our complete library of 401k calculators and worksheets to determine what's best for you.