I believe in index funds, staying fully invested, keeping expenses low, and being highly diversified as proven ways to build wealth, and that basic wisdom has served my growing net worth very well for decades. Still, there is a puritanical standard against any market timing among many who invest the "Bogle Way" as I do, which I can't fully agree with. Isn't a Vanguard Target Date Fund that owns the world's economy of stocks and bonds, rebalances those many asset classes constantly, and then gets a little more conservative each year, a form of market timing? In reality, who buys only the S&P 500 or another index and then never adjusts course regardless, as the table would imply we should? In other words, aren't we all guilty market timers, at least at the margins? I'll go first: Hi, I'm Markola, and I'm a market timer.