Market today

Before using any strategy, you need to check the current market conditions. To me, it is a side way market, but it could head to another recession if the EU crisis gets worse.

For side way market, buy at dips and sell at ups. I've been practicing it now and so far so good.

If the market heads to another recession, all bets would be off. However, we do have a lot of quality bargains. Buy them and forget them until the market returns. 

If calendar is your only guide, make sure you return to equities by Oct. 1, which is the best month statistically. Alternatively, move to equities from a certain % of your cash when the market dips a certain % - 'certain' is a personal adjustment according to your risk tolerance but 0 cash by Oct. 1. I do not stick to calendar 100% myself, but it seems to be a self-fulfilling prophesy.

The current market top has been predicted correctly. Here are the reasons and they could be useful in the future.