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"The three ways to mitigate stock risk: diversification, time, and steady deposits of new money into the portfolio."

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 (6k this time for my wife's since I did 03 and 04 contributions at the same time). Their held at Ameritrade, so I'm trying to pay one commision per year.

I know I could set them up at a fund company and do monthly contributions, but I like having the extensive fund options at Ameritrade. I've been selecting funds/ETFs by choosing an asset class, then looking for the lowest fees, lowest turnover, equal sector weighting, with a high number of stocks.

Thanks!
Joe
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