由 njrookie » 2014-04-27 18:35
I find it very difficult to trade at different time frame.
When I did some shutffling a while back based on short-term pattern for my retirement funds, I could not keep track of it all the time, and missed the re-entry.
So these days for 401K, 403b, 457 plans, where I cannot trade actively, I just leave it all in stocks and a property RE fund (not REIT), and stay fully invsested. I will not watch it or adjust allocation for years to come. New contribution these days all go to the RE fund for some cash flow income.
My problem is that my employer offers too many tax-sheltered plans, but do not offer any raises for almost a decade:(. So I barely take home enough to pay the bills after maxing out on tax-deductible contributions these days.
just my 2c.