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If you are working and have been stashing some of your hard-earned money in a 401(k) retirement program, it's a good idea to review your statements to see where you stand. Financial experts advise checking your investment mix to see if you need to re-balance.

Rebalancing refers to the mix of investments in your 401(k). If your stocks are really taking off, it may be time to sell some and move some of the money back into bonds. That way, when bonds do well, you won't be completely off-balance. Diversification is the key here to investment success in the long run.

Some companies even offer 401(k) management plans, that for a small fee, keep track of your portfolio and re-balance for you.

While checking your 401(k) statement, be certain that you are contributing as much as the law allows.