I have a 401k plan at work, where I have set %'s of my contribution going to 4 mutual funds. pretty standard type vanilla funds. Apologies if this is covered before, but I will ask anyway!
Also, I contribute about $500 per month, and I am matched with an employer contribution of $300 per month. I put in 80% of those total contributions into the funds, and about 20% into cash.
What I am looking for is a way to maintain those amounts for at least 6 months (large fees if I make a lot of changes) However, I am looking for BUY & SELL signals for either, to switch some of my cash into the funds if they drop, or skim some off if they are going up.
When I look at some of LostCowboys cool spreadsheets, I am totally confused as to what the best approach I should take, or what spreadsheet to use (and modify if needed).
I currently re-balance my total plan about twice a year, but I cant help feeling that I could squeeze out a little better value if i sold rising funds, and also to buy into dropping funds.
Anyone have advice?
Thanks!
