Spreading 1% of your portfolio across these three cryptocurrencies isn't a magic trick that delivers wealth. You'll need to hold on to them for at least a few years to see significant gains ...

Going back to our example from above, a portfolio of 60% stocks and 40% bonds won't stay that way indefinitely. In a rising market, the stocks will increase in value while the bonds hold steady.

With a new year coming up, it isn't odd to start anxiously eyeing your portfolio. Market volatility often spikes as the year closes, too. Many wonder whether they should sell, hold, or buy more.