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.
Preserve What You Have
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.
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.
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.
把以防万一的资金放在比较安全的投资上，比如通货膨胀 保值债券、定期存单，或评级较高的市政债券或公司债券。留出一笔相当于6个月收入的备用金，万一失业就可以派上用场，这是个不错的经验总结。内容来自 听力课堂网：http://www.tingclass.net/show-9452-329113-1.html