New Delhi, July 16 -- I don't tinker much with my retirement portfolio. Still, I checked recently to see if my investments had an adequate stake in assets currently beating the S&P 500. The answer? Not really.

If you're a buy-and-hold investor, you should check to see how truly diversified you are. While the S&P 500 has delivered a respectable 10% return year to date, it has fallen behind other areas of the market. The S&P SmallCap 600 index is up 21%, large-cap value is ahead 16%, and international stocks-after surging 32% last year-are up 13%.

The latest scorecard shouldn't matter much if you're saving for retirement years from now. You have time to weather many boom and bust cycles.

But if you're only a few years away from retiremen...