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CL
@
2016 Jul 20, 3:57pm
Interesting question. I downloaded 8 years of historical data for SPY from
http://www.nasdaq.com/symbol/spy/historical & http://www.nasdaq.com/symbol/spy/dividend-history
and then wrote a quick program to simulate how I would have performed over the past 10
years if I purchased in various parts of the year.
That's awesome! I don't know if I'll change anything, but it's cool to know!
Is the bottom one, simply "all shares bought in January"?
The bottom line, if the money isn't invested, it's not working for you. Just put it in, because you'll never time it right.
No question. Not to dwell too much, but that's not the issue for me. I already max out on it in the first half, I just wonder if I should change that to equal 12ths all year, or move to the 2nd half kind of thing.
But, on a related note, I have other dollars I need to get growin', maybe in Betterment or some shit.
Thanks for the insights!
RWSGFY
@
2016 Jul 20, 4:52pm
I've maxed out since back when I was poor, and continue to do so. As time progressed, what used to be a same sized contribution each month has turned into getting all of it in in the first half of the year.
Is there employer match? Does it stop when your contributions stop? You need to make sure you don't leave any of these money on the table when you max out early.
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I've maxed out since back when I was poor, and continue to do so. As time progressed, what used to be a same sized contribution each month has turned into getting all of it in in the first half of the year.
My question is, is there a "better" time of year to put your contributions in, a la "buy low, sell high"? "Sell in May", would seem to indicate that the 2nd quarter might be a good time to be "buying" via contributions.
I had heard before that overall the market's cyclical-ish, and tied to harvest cycles or some shit. Of course, there are graphs galore about what happens during election years, mid-terms, pre-election years and so on. Might all be people trying to predict the unpredictable.
Any preference on quarters, or do you just aim for dollar cost averaging type investing when it comes to 401k?
Thanks
#investing