Broad based selection, dollar cost average over years, don't jump in and out - you will never "time" the market, get more conservative after 60 and enjoy life.
Yep. It's worked for me for the last 30 years. I've got a a half dozen years until 60 but I've ridden the ups and downs and dollar cost averaged across a broad range of low-cost mutual funds and it's worked. I've had friends who have tried other methods and some have done well and some have done poorly so figure out what works for you and do something because sitting on the sidelines of planning for your future is no plan at all.
