You are content with dollar cost averaging? I'm not sure what your point is...obviously if you are BEATING THE MARKET, you are BEATING THE MARKET and your retirement balance will be much higher as a result. Since the market top in October 2007, C fund is down 19% and I am up over 8%. That is a 27% difference!!!
If I did nothing else from this point on except BUY AND HOLD...I will have made a HUGE difference to my ending retirement balance...to the tune of 150,000-200,000, assuming 7 or 8% annual growth. Therefore, playing "hippity hop" for the last year has gained me a fricken
HOUSE. :nuts:
And it's a lot easier for Greenspan to talk freely now that he is not fed chairman, so I actually believe him now.