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The Short Answer

Is It Too Late to Get Back Into Stocks?

Using Morningstar tools can help identify pockets of value.

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Question: I moved part of my portfolio out of the market in late 2008 when I was concerned that the economy and the stock market were in a downward spiral. But now that stocks have rallied, how can I get back in without getting burned?

Answer: It's small consolation, but you're far from alone in this conundrum.

I'd recommend that you start by establishing your target position in stocks. (Morningstar's Asset Allocator tool can help with this part of the job.) Then plan to slowly build your position during the next six to 12 months, adding a set amount each month until you hit your target.

Christine Benz does not own (actual or beneficial) shares in any of the securities mentioned above. Find out about Morningstar’s editorial policies.