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)

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