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What to know: Here, author Jeffrey Ptak emphasizes the importance of rebalancing your investment portfolio, especially in light of the significant shift in asset allocations over the past decade. He builds on finance writer Amy Arnott's observation that stock market gains have outpaced other asset classes, likely causing many investors’ portfolios to become stock-heavy.

Using mutual fund data, Ptak reveals that fund investors now allocate 78 percent of their assets to stocks and only 22 percent to bonds. This equates to an estimated $800 billion overexposure to equities. Additionally, U.S. equities dominate even more now, with their share of stock allocations rising to 82 percent. Ptak highlights risks in this trend. While investors have favored U.S. stocks, market forecasts suggest subdued returns for this asset class compared to bonds and non-U.S. equities.

Key Takeaways: Your life and financial goals are constantly evolving. Regular rebalancing can realign your portfolio with long-term initiatives and risk tolerance, even if it feels counterintuitive.