"Study after study shows that most people fail to properly monitor, diversify, and rebalance their portfolios. Sure, with a hefty six-figure account you could hire someone to do all that for you -- and pay that person 1% or 2% a year or more. But if you're younger, with a lower balance -- or you'd rather keep that fee yourself -- there is an alternative: a breed of mutual funds called 'lifecycle' funds."  MORE >>