Fine-tune your investments

44. Fix your mix. Over the past three years the S&P 500 has surged an average 13% annually, while U.S. bonds have returned 6%. That means your target asset allocation is probably out of whack. Restore balance by shifting money from the winning funds into the laggards. Doing so will help lower risk and could boost performance.

45. Bookmark this! Got a mutual fund that's under-performing or overcharging you? Find out with our website's new portfolio tracker. Follow your 401(k), IRA, and brokerage accounts in a single dashboard that is automatically updated and use our helpful tools to assess performance and costs.

46. Be a cheapskate. New federal rules require 401(k) sponsors to disclose administrative fees, expense ratios, and other program costs at least once a year. The info is probably on your plan website now too.

You can't do much other than complain to HR about most of these charges, but if you're paying more than 1% in fees for the funds themselves, switch to cheaper options, such as index funds or collective investment trusts.

  @Money - Last updated April 17 2013 10:09 AM ET
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