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>>How much time diversifciation is necessary? I contribute bi-monthly to my 401k. But on the ROTHs, I put in the full 3k at once...

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.

Time diversification just means holding your equity investments for the long term, as in 20+ years. If you'll need the money in six months for a house, stocks aren't the way to go.

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