Smart Moves for Investors in the 'Hazard Zone'

The current bull market is the longest in history, and it's been a good ride.

It's given investors who lost money in past downturns an opportunity to replenish their savings in time for retirement. And it's provided the growing number of workers who don't have the security of an employer pension a chance to build a nest egg from which to pull income when they no longer have a regular paycheck.

But no rally lasts forever, and this one -- despite some cloudy days here and there -- has lasted more than