But there are many alternative ways to tilt a portfolio depending on your access to funds and risk preference.

FORBES: Magazine Article

On average, women display a stronger value-orientation, a lower risk preference, a greater willingness to delay gratification, and a preference for thoughtful research-based purchase decisions.

FORBES: How The Great Recession Strengthened The American Woman

You need to have your portfolio set up so it lines up with the goals that you have, and the risk is appropriate for your situation and your risk preference.

FORBES: 6 Funds for Peace of Mind

Yes, I still want the highest rate of return possible given my preference for risk.

FORBES: Two Questions No One Ever Asks Their Financial Advisor But Needs To

Giving cap gains a tax preference for risk investing is one of the smartest things the U.S. has done during the last 40 years.

FORBES: Shoot At Schwarzman, Hit You

When investors are uncertain (risk-averse), they have a preference for holding cash and the price of shares falls.

ECONOMIST: The impossible task of eliminating uncertainty

They were attracted by the preference shares' combination of a low risk weighting and decent yield, says Ira Jersey of Credit Suisse, but have seen their prices tumble on fears that they will be wiped out if the government moves to prop the agencies up.

ECONOMIST: American banks

The promotion focus on potential gain leads to speed, creativity, innovation, and embracing risk, while the prevention focus on avoiding loss leads to accuracy, careful deliberation, thoroughness, and a strong preference for the devil-you-know.

FORBES: Getting Your Boss, Colleagues, or Clients to Embrace Risk