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An asset allocation plan divvies up your money into stocks, bonds, cash and other assets according to your goals, time horizon and tolerance for risk. Make a plan and stick with it. That's one piece of investing advice that gurus of all sorts – no matter how they approach the market – agree on. What they're talking about is having an asset allocation plan, which divvies up your money into stocks, bonds, cash and other assets in appropriate proportions according to your goals, how long you plan t