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system
did basically all mutual funds have a significant crash in 2008?
user
in 2008, the s&p was down 37%.  i love charts that show sector performance by year, as it helps show that 2008 wasn't like the crash of 2000-01 which was more tech-centric. funds that were more geared towards bonds would have been up as the 10 year treasury was up 20%.  i understand you have a low risk tolerance. over the long term, this will cost you. the cagr for the s&p from 1928-2011 was 9.23%, for treasuries, 5.14%. this difference adds up dramatically over time. these rates double your stock investments every 8 years on average vs nearly 14 years for bonds.  see the moneychimp site to tinker with start/finish years to understand long term returns.
assistant