In the steamy days of the go-gomarket, many physician-investorswere big on do-it-yourself (DIY)portfolio management. Who neededadvice when all you had to do tomake money was buy stock—anystock. Now that the market's saggingperformance has brought adose of reality into play, investorsare no longer as comfortable flyingsolo. Still, if you stick to a basicasset allocation (eg, 60% stocks/30% bonds/ 10% cash) and uselow-cost index funds for the stockand bond portions of your portfolio,you can still be your own financialguru without a lot of risk. The problemduring the tech bubble, wisemarket observers say, is that manyinvestors had no idea how riskytheir holdings were.