That's when you call in a professional, or if you're not rich, you buy a pre-set package of stocks and bonds that a professional has pre-picked for you, and then sit back and, uh...
Yes, as it turns out, the majority of professionally managed funds picked by stock market experts (70 to 85 percent) actually underperform the Dow or S&P indexes, which are technically supposed to represent the average performance of the market to begin with.
Results not typical.
If you do have to peddle your nest egg off to someone else, try to hand it to Warren Buffet, whose Berkshire Hathaway stocks have outperformed the index by 11.14 percent on average for over 30 years. So it's not like financial advisors can't know what to pick. They usually just don't.
But hey, there is some good news: When going up against a bunch of dudes throwing darts at a chart to randomly pick their stocks, the stock professionals performed better.