SLIDESHOW: 5 Excuses for Not Contributing to Your RRSP
I'll Play the Stock Market Later & Make Up for Lost Time
You are certifiably nuts if you think you can chase big gains and get them without also taking on significantly more risk. And more risk could turn into huge losses exactly when you were hoping to retire. That could mean significantly delaying retirement and working until poor health or old age forces you to quit. At that point you may still lack enough funds to support yourself. Plus, fees from overzealous trading in a retirement account could eat into your returns and do you really want that kind of pressure late in life, when you should be winding down.
A diversified asset allocation based on your specific needs and investing style should allow you to take advantage of gains across several investing categories while still mitigating risk. Steady contributions coupled with steady increases of your contribution level will help you sleep easier at night.