<prompt> Human: Ive seen what the power of dollar cost averaging does. I have no interest in doing anything more than a once a year fluctuation in the amount of my salary I put into my 401k. There is no matching, but I do ten percent of my salary. Is it a safe way to semi-play the market by fluctuating my contributions at yearly intervals? I have no plan at this time due to the high level of the market, but want to know if it is a smart thing to do when a low occurs.  <response>: Time in the market timing the market 