For the last 20 years or so, I've had most of my 401k invested in stable stocks/bonds that pay a dividend. Where possible, dividends are re-invested. Once or twice a year, I will take dividends that are not auto-re-invested and manually re-invest them. I don't worry about price changes and I almost never sell a stock as long as it is paying a decent dividend - I'm in it for the long haul.
But that strategy may not work for you. Depends on your situation.
|