Interesting post Hive account@dapperdadclub thank you. For me I have changed all my contributions to the ROTH 401K since the company match goes to the traditional 401K. So not quite 50/50 but the ROTH side needs to catch up anyway.

I was interested in your Buy point. I use something similar for what i call my "Legacy" 401K investements. This is the side of the portfolio that generates dividends or interest and I look to buy it when it goes on sale. My buy up to price is 25% above the 52 week Low and also perhaps strangely when it is below its 200Day MA. At 10 to 15% the bargains are better but I would have had to wait a long time to buy in this market. Like most people probably the options in my 401K are largely mutual funds and ETFs which are hard to establish a true value analysis for hence I have used the 25% price as a proxy. I have no intention of selling this side since the legacy funds generate income regularly (they pay me to hold them). Its like owning a property that spins off cash. I dont sell it because the property market goes down. I go out looking for bargains. I have 20% of my 401K in a tactical strategy that will move to fixed income in the event of a downturn and therefore give me the cash to pick up bargains on the legacy side.