Set your own course: you--not some talking head on television--are the expert on how to spread your money among stocks, bonds and cash. (Strategy).

WITH ALL DUE respect to Godzilla, the stock market the last three years resembles a scene from a Saturday morning, B-grade creature feature. Instead of a monster, we've had the ugly specter of terrorist attacks and threats, tech collapses, accounting woes, plunging profits and a falling dollar. That's more frightening nightmare than any rubber-suited stuntman could ever inspire. What's more the damage to investors' net worth has been all too real.

The severity of the bear market has been almost unimaginable. In late July, Standard & Poor's 500-stock index had plunged 48% from its March 24, 2000, peak. That's the biggest percentage decline for the maior market index since ...

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