No. of Recommendations: 1
It sounds like you are making it way to complex. Until you have a significant amount in the 401k then just go with the lowest cost most diversified index fund that is available.

The reason that I am saying it is that your time is valuable and unless you get lucky and happened to moves some funds at just the right time then the difference in the fund performance will only amount to relatively few dollars compared to the S&P 500. This time would more productively spent doing things like cooking instead of eating out, selling stuff on eBay, studying to learn new skill for your job, or changing your own oil.

It took me a while to learn it but I finally figured out that with mutual funds most of the difference in performance is due to either funds overhead costs, the amount of risk they take, or lucky timing(which is unlikely to be repeatable)

Greg
Print the post  

Announcements

The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.