Monthly market timing vs indexing results:
My 401(k) performance: 1-year return -39.6%.
VFIFX performance: 1-year return -40.87%.
Therefore: speculation return: +1.27%.
Market timing style:
1) VFIFX is the only MF purchased.
2) Did not sell any VFIFX position during the past 1 year. i.e., the
market timing decision was limited to "buy or not buy".
3) Randomly DCA'ed most of the time.
4) Changed asset allocation for new contribution 3 times during the
past year.
