I came across this today, and it's worth reading: http://www.marketwatch.com/story/10-ways-to-wipe-out-your-retirement-savings-2013-09-05?pagenumber=4 Especially 5. Change lanes every year catched my eye. Because that is what I saw alot doing. They start with X, got negative, move to Y, get negative, and so on. "Pick a disciplined strategy and stick to it. Jumping from investment to investment is only going to slow you down.".