31.   In deciding how to diversify, you might start by figuring out your own risk tolerance.

32.   LAST week, I discussed the different factors that affect risk tolerance and profiled the characteristics of an aggressive investor.

33.   Make sure the fund you choose matches your risk tolerance, not just your return expectation.

34.   One possible resource for determining your risk tolerance is your employer, which may offer an investor education tool geared for this through its retirement savings plans.