Why?
"Buy and Hold"
Check this chart below. Here's the S&P 500 using your method showing a 46% loss
in the 2000-2001 bear market.
Very High Risk
Can you afford this kind of loss again? Why would you risk your retirement?
Your money is managed in a Mutual Fund.
Below is the largest US stock Mutual Fund which has an overall rating of 5 stars at
Morningstar.com.
Overall best rating, does this look any different than the first chart?
Six years lost.
"Retirement Indicator"
Easy to see why.