401K

It's interesting to use ETrade's research features to look at my 401K holdings. And frankly looking at it the rule about leaving money sit seems to be wrong. Take the Lord Abbet Small Cap Value I fund, symbol LRSYX. If you look at the chart, there's a really blatant pattern there. For quite a few years the fund consistently rises through the year, then in late November or early December it takes a nose-dive and stays down until after the New Year when it starts rising again. If you hold it the full year, the nose-dive wipes out all your gains for the year. You're better off selling out of it in mid-November and then buying back in at the beginning of January.