It is essential that you come up with an investment plan and stick with it. At times, some investments like the stock market tend to fluctuate with time depending on the market direction. This is usually one of the main reasons for people changing their strategies. However, it is often not advisable to change the execution of your strategy midway, especially if it involves spending more than you are comfortable with. You can also use the rollover strategy in cases where you have a large sum in the works and you would like to invest as well. Often, the cash cheque is tempting enough that most people would rather take it instead of investing it. Taking your time to fine-tune the 401 (k) accounts is a good strategy that pays off at the end of the day.