F4mandolin
Full time employment: Posting here.
I'm afraid I'm one of those people who has always come out ahead with market timing. I use my TSP funds......when the market takes a big jump up I move money from my C fund to the G fund. When the market takes a big drop I move money back to the C fund.....usually $25K-$50K these days. When the market was way up before the big drop in 2007-08 I moved all of my TSP to the G fund. As it dropped I moved money back into the C fund.....at 12,000.....and at 11,000.....then pretty well full in again towards the bottom.....I'm well ahead from where I would have been if I'd done nothing. I still occasionally move money from one to the other, although not recently since the market hasn't really had a big move for a long time. I am likely to stop doing this since I am retired and can't afford messing up. I guess you could call it rebalancing.....or dumb luck.....it works for me.....