re: roth contributions this year

tell you what I've been doing in order to try to mitigate macro buy and hold risk... I have a couple stocks that I like generally and I just swing trade large amounts... I'm out of the market 95% of the time...I'm up about 20% each of the last 3 years using this strategy... It's risky in terms of diversification but I feel like me simply being out of the market most of the time makes up for that risk... Otherwise, just stay cash heavy until you are comfortable.