Asset allocation can help reduce the risk to an investor's total portfolio.

Asset allocation can help reduce the risk to an investor's total portfolio.

The concept involves distributing investment dollars among a variety of investment options, such as bonds and equities.

A variety of websites offer insights about asset allocation. Here are a few:

Bankrate.com: Provides four sample asset allocation plans for young and single investors, couples, middle-aged investors and seniors. www.bankrate.com/finance/retirement/asset-allocation-4-sample-plans.aspx Investing Daily: Breaks down asset allocation in a three-part series. www.investingdaily.com/10929/asset-allocation-part-1-what-it-is-and-why-you-need-it Investopedia.com: Discusses different asset allocation strategies. www.investopedia.com/articles/04/031704.asp InvestorGuide.com: Offers a description of asset allocation principles and investing considerations. www.investorguide.com/iguinvestportfolio.html U.S. Securities and Exchange Commission: Useful primer on asset allocation, diversification and rebalancing. www.sec.gov/investor/pubs/assetallocation.htm