Excerpt: With the S&P 500 in the red over the past three years and trailing humdrum bonds over that stretch, our former blind faith in stocks seems just that.... Let's look at four ways you can put it back on track without too much effort or homework. 1. Balance Out Your Portfolio ... 2. Raise Your Savings -- and Lower Your Expectations ... 3. Have Index Funds? Use Them! ... 4. Don't Give Up on Growth Funds ... 5. Use Bond Funds Wisely.