How well-balanced is your portfolio? When you start with proper asset allocation as well as the right balance of possible risk and potential returns, you can rebalance your investments as they fluctuate over time. This allows you to “buy low and sell high” — in the way that works best for you and your unique portfolio.

How basic can it get? This is part Back to Basics, part public service announcement, and 100% simple reminder: Save your money. I bring it up because it’s an easy trap to fall in to. Any number of things can disrupt your savings plan — from a job change or loss to a larger-than-expected financial emergency to you just plain getting complacent. ... and, when it’s time to resume or increase the amount you save and invest, you miss the boat.