{ "media_type": "text", "post_content": "Dump lump sum and max out Roth tomorrow or DCA Roth IRA max for the next 12 weeks ($500/week)?", "post_id": "5f4ed04ddc263a002a182d38", "reply_count": 8, "vote_count": 2, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Dump lump sum and max out Roth tomorrow or DCA Roth IRA max for the next 12 weeks ($500/week)?

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As a general practice, should you do $500 monthly for your Roth and DCA or just dump it all in January? (Time in market type thing)

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This is what I’m wondering as well. I should’ve probably added to the original post. I’ve seen folks in this bowl say that dumping all in Jan usually nets the best return historically

All in. in a few decades from now those 12weeks wouldn’t matter at all.

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Over $20k I would DCA. $6k you can just dump

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Given that Roth is a retirement vehicle (i.e. an inherently long term play), dump it. It won’t matter in 30 years if you dumped or DCA

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Time in the market always wins unless you get lucky. Dump it.

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