Although it has become much easier for individual investors to adjust their retirement accounts as often as they wish, human nature is such that most people are still inclined toward just leaving their allocations be, even if they know it’s probably not in their best interest to do so.

In fact, many people don’t even adjust their portfolios on an annual basis, says Victor Ricciardi, a professor of finance at Goucher College in Baltimore, Md., despite the fact that an increasing number of companies allow investors to automatically set up an annual rebalancing online.

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