I have been 30 years working in IT, Operations, Trading and now Finance/Accounting . for foreign banks on Wall Street. Trade the small taxable account and the IRA... rebalance the 401k and invest the 529 plan. against the rules to day trade... because I still have an actual job! so. more like.. month-trade. I like a six-month timeframe. I am getting on in years so while I have a 70% equity profile, I keep cash and have bonds/bond funds as well. I never was too active,and missed most of the booms, Picked lots of winners but held on to too many losers so my return is not as good as it should be.. but this year is good at about 17%. love to look at charts, never liked gold, mixed dividend plays in large cap and lots of exposure to small cap growth. I am getting a nice monthly cash flow into the IRA.. and of course.. I get a firm match on the 401k so that return is spectacular.