Interesting post @dapperdadclub thank you. For me I have changed all my contributions to the ROTH 401K since the company match goes to the traditional 401K. So not quite 50/50 but the ROTH side needs to catch up anyway.
I was interested in your Buy point. I use something similar for what i call my "Legacy" 401K investements. This is the side of the portfolio that generates dividends or interest and I look to buy it when it goes on sale. My buy up to price is 25% above the 52 week Low and also perhaps strangely when it is below its 200Day MA. At 10 to 15% the bargains are better but I would have had to wait a long time to buy in this market. Like most people probably the options in my 401K are largely mutual funds and ETFs which are hard to establish a true value analysis for hence I have used the 25% price as a proxy. I have no intention of selling this side since the legacy funds generate income regularly (they pay me to hold them). Its like owning a property that spins off cash. I dont sell it because the property market goes down. I go out looking for bargains. I have 20% of my 401K in a tactical strategy that will move to fixed income in the event of a downturn and therefore give me the cash to pick up bargains on the legacy side.
That's a great strategy to go by! I decided to go 50/50 split because my company match isn't strictly towards a traditional or roth, but based off of a percentage of total contribution.
I like the approach you've taken to be more conservative of 25% above 52 week low. My stock investment is personal assets so I more look at it as "test" money for 401k money movement.
Agreed i tested my ideas in a regular stock portfolio to see how DGI worked. Then looked at how I could apply the same thinking inside the 401K. The hard part for me was finding out which funds paid routine distributions. Fidelity always tries to argue with me that it doesn't make a difference but the only way to get compounding to work is if you get extra units.