Juding the riskiness of your investments is the cornerstone to proper asset allocation. RiskGrades offers free tools to help with this analysis. The site looks at recent volatility and other measures to come up with risk rankings from 0 (for cash) to in excess of 1,000, mostly for penny stocks. General Electric, for example, has a risk grade of 58, while more volatile Apple Computer scores 186. Use this site to see how your portfolio fares from boom to bust. You can also grade your holdings--including options, funds, bonds and foreign shares--and analyze the results against a host of relevant benchmarks. What-if scenarios allow you to see if, say, dumping Home Depot and buying IBM would better your risk/reward profile.

BEST: Nifty tools, such as the 401K check up that grades risk.

WORST: Navigation is nearly nonexistent--use the site map.