Despite what the pundits say, average annual returns of 20
percent are not an inalienable right. The past several years have
proved to be remarkable, but that doesn't mean the bull will
run forever. But it doesn't necessarily mean the market will
crash either. To paraphrase Yogi Berra: Investing is 90 percent
mental--the other half is monetary. Babe Ruth had one of the finest
batting averages in history, and even he struck out sometimes. So
if you expect your portfolio to swing for the fences every year,
you'll probably end up in the minor leagues. Give your
portfolio a break by periodically rebalancing your assets.