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Even with the recent runup in stocks, you still might have a larger-than-usual chunk of your assets in bonds these days, because bonds did well last year and have remained solid this year. If that's the case, rebalancing toward stocks makes sense, especially with their prices so low.
即便是在最近股市上揚的情況下，你目前所持有的債券占你總資產(chǎn)的比例或許仍高于通常水平，因為債券去年表現(xiàn)不錯，今年也依然強勁。如果是這種情況，那么多持有一些股票是有意義的，特別是在股價如此之低的時候。
Preserve What You Have
保護已有的收益
One of the lessons of the past few years is that the stock market and your home are not ATMs. They are assets that can rise and fall. Having a strategy to preserve your gains is prudent in these challenging times.
過去幾年的教訓之一是，股市和你的房子不是自動取款機， 而是價值可漲可跌的資產(chǎn)。在當前這個充滿挑戰(zhàn)的時期，擁有一個保護已有收益的戰(zhàn)略是謹慎的做法。
Along with diversification of assets-stocks, bonds, cash-maintain diversification in the stock market, as well. Buy broad, low-fee index funds, rather than individual stocks, to lower your exposure to risk.
除資產(chǎn)投資分散化（股票、債券和現(xiàn)金）外，股市投資也要 保持分散化。買進大范圍的低成本指數(shù)基金，而不要買某只個股，以減小風險敞口。
And maintain a rainy-day fund in safer places, such as TIPS, certificates of deposit or highly rated municipal or corporate bonds. A good rule of thumb is to have a reserve of six months' earnings in case of a job loss.
把以防萬一的資金放在比較安全的投資上，比如通貨膨脹 保值債券、定期存單，或評級較高的市政債券或公司債券。留出一筆相當于6個月收入的備用金，萬一失業(yè)就可以派上用場，這是個不錯的經(jīng)驗總結(jié)。
