re: S & P 500 Index Fund

I cannot liken it to luck or a roulette wheel. It is more of discliplined buying on the pullbacks. One-half available for company stock, one-half available for the index fund. First purchase is 50%, then 25%, the then 25%, then wait for the upturn. I have been satisfied with about 12>15 annual rebalancing the portfolio occassions by accepting small gains each time as there are no "trading expenses."

The 2017 401K plan had only 7.11% return which was likely exceeded by yours and everyone else. 2017 was the first year that I was unable to exceed the major indices since the last recession. I suspect that it is mostly due to the lack of brokerage costs. As you can correctly guess I have failed to make any profit thusfar in 2018.

The question remains is whether to buy in now or wait for a pullback.