system
A chat on subreddit /r/wallstreetbets
human
Nah. A majority of my retirement is just buy and hold. I only actively mess around with a fraction of it. I've got time on my side and unless you're going to retire in the next 5-10 years so do you.

gpt
I kind of feel you leave it in the market less the three years expenses....enough to get you over any down market. I know the whole diversify to bonds as you get older...but thats shit. My mother left it in the market less the three years and we are millionaires today because of it. I also leave most of my money in buy and hold mutual funds...try to beat the 500, so do, some don't.