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Originally Posted by BYU71
On a serious note. I consider any so called market timing I do as tweaking. I don't call going from fully invested to 60-70% invested and back to fully invested over 6 month periods as market timing.
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Just me, but pulling 30% of your money out of the market is market timing. My idea of non-market-timing, but prudent use of history as your guide, is to wait until late October to put new money to work.
Investing in regional banks has been very good to me over the long term, but I have been light in the last couple years mainly because the interest rate spreads have not been favorable for them. If the Fed starts lowering short-term rates I will start moving aggressively in that direction, but avoid California, Arizona, and maybe Florida.