That's just too many rules lol. Let's just cut it into two simple rules.
1. Hodl till the most desirable target acheived.
2. Constantly buy while you're hodling.
This way you'll get away from the stressful market swings. Just sit back and relax wait for a few years and you'll most probably going to have the best retirement funds.
This will for everyone though. Well, not for the impatient ones lol.