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I've taken to heart the adage about putting it in automatically and forgetting about it. For my husband's 401K, I did a whole ton of research at the time, then we made the choices and haven't touched or even more than glanced at the statements since then. I know it's a little down at the moment, but it's only been a year in this current employer/configuration, and meanwhile we're putting in 10% of his salary so I'm not worried in the long run. My Roth IRA is a whole lot less diversified (couple different industries, but all international) because there isn't enough money in it to spread across very many funds. That's the one change I really need to make, is to start putting money automatically into that account as well, but there is just no way we can afford it this year, unless my contract work remains steady (never a guarantee, and the big project that's been keeping me busy for several months now is officially over, so I actually think I'm about to hit a big dry spell.)
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