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I reallocated my contributions a bit yesterday to more aggressive funds. I had a pretty good return this year as most of us have. I am 41 and had about 20% going into a bond fund which didnt do that well and has a high E/R (.7%). Otherwise I am mostly on the set it and forget it path. I struggle a bit choosing funds we have several low cost vangaurd index funds with very low ERs, as well as active funds with high costs .3-.6. I have quite a bit in the 2045 target date fund, I love the easy nature of it and it has made good returns but the I wonder how much the .5 ER would be easily offset by periodically rearaging cheaper assets myself. The problem is I don't trust myself to do it well.

I put 5500 in my roth when I was doing my taxes last year. I left it in cash because the market seemed high. I just put it in an total stock market index fund, so I lost at least 1000$ trying to time the market. The market will have a massive down word correction at somepoint and it will have a huge upswing at some point as well. The movements are assured but the timing is a bit harder. Unless you include dates with your predictions, your just moving your mouth as they say.