21.   But remember that asset allocation is hardly a science.

22.   Can you suggest a good asset allocation for someone of his age and situation?

23.   Carefully assess if such an investment matches your risk profile, asset allocation and financial goals.

24.   David Bowers, the chief global investment strategist at Merrill Lynch, says investors face a major decision on asset allocation.

25.   DBC will probably charge fees for the asset allocation feature, said Farrell.

26.   Dwyer changed his asset allocations Wednesday.

27.   Employees who choose a portfolio get their plans automatically rebalanced once a year, or returned to their original asset allocation.

28.   Experts caution, however, that no one asset allocation is proper for everyone.

29.   For a primer on how asset allocation can help produce a higher return or lower risk, check out the Index Investor, www.indexinvestor.com.

30.   Gaining favor with investors are the accounts from fund companies and brokerage firms that wrap together asset allocation and mutual fund selection.