Time To Reshape Your Portfolio.

The article offers a look at the development and reshaping of personal financial portfolios in the U.S., as of July 17, 2000. According to experts, asset allocation is the way to protect the paper wealth for retirement. Several investment studies show that one basic decision--the division of funds among broad asset classes--will determine, on average, 90% of the success as money manager. For a growing number of workers, the risk is keyed in to an enormous bet in shares of their employers' stocks. Employees whose plans offer company shares have tied up more than 30% of their 401(k) money in that option.