Excerpt: Dear investor, provided your head has stopped spinning from these tortuous few months, let's talk for a bit about asset allocation. You know, adjusting the holdings in your 401(k), Individual Retirement Account, or personal portfolio so you don't end up with all your money in the same place at the same time. As you also know, you're supposed to keep rebalancing that portfolio according to your age, goals, and tolerance for risk.  MORE >>