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>>Forget trying to time your contributions and the market. You're going down the wrong track here. Just invest what you have when you have it, assuming the amount is enough that the transaction costs aren't more than .5% of the total invested.

I agree 100%. I've read the stats about the average of mutual fund cash holdings was 3%-4% right before the tech crash, and around 11% at the bottom before the recovery started. When the "experts" lose so badly trying to play that game, I won't even try :)

I was thinking more along the lines of dollar cost averaging, etc. But it's easiest for me to put in 3k at a time since I've been using cash from selling ESPP stock (which I'm selling immediately after it's put in my account). I'll probably keep doing what I'm doing...

Thanks for the feedback!
Joe
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