Time To Reshape Your Portfolio

The bull market has made America a nation of lapsed diversifiers

Retire rich. If that's your goal, thank your lucky stars for the stock market of the 1990s. Wall Street's remarkable five-year run, lifting the Standard & Poor's 500-stock index 220%, showered undreamed-of rewards on retirement savers and created more 401(k) millionaires than Regis Philbin could ever imagine. But now the miracle market is looking shaky: Tech stocks haven't fully recovered from their two-day April plunge, and the broader market has gone nowhere all year. Maybe you've started to wonder: How can I protect the paper wealth for my retirement and keep it growing for 10, 20, or 30 years--until I leave the working world, and beyond?

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