Invest Regularly

One of the main benefits of contributing to a qualified retirement plan such as the 401(k) is that you can make regular investments. Every time your employer gives you your paycheck, you can use a part of that amount as a contribution to your plan. Having an investment plan is a surefire way to minimize the adverse effects of the occasional but unavoidable market fallbacks.

Part of your contributions will be made when the market is high while others will go in when the market is low; in the long term, they should balance each other out.