The traditional retirement portfolio tanked this year. Here's what experts suggest.

Retirement planners typically tell Americans to invest 60% of their retirement funds in stocks and 40% in bonds. But that time-tested strategy fell apart this year as poor performance in many financial markets wiped out many workers' savings. A classic 60-40 portfolio has lost 15% this year, according to the Wall Street Journal.

The downturn might have some investors itching to alter their investment mix. But that's probably not the best idea, Wall Street Journal reporter Akane Otani told CBS News.

"For people with a longer-term horizon, I think the advice generally stays the same even in a year like this year — which is to not do anything too crazy and not try to shift a lot of your money from one part of the markets to another because it usually tends to backfire," she said.