If you're nearing retirement and feeling rattled by the market's recent ups and downs, here's some advice: When you get up tomorrow morning, take a few deep breaths. Then take a good look at your portfolio and see if your mix of investments matches your current tolerance for risk.
My guess is, if you're like most investors, you're heavier on stocks than you think. And that churning you feel when the market drops is a reminder you may need to make changes.
