{ "media_type": "text", "post_content": "Fully fund Roth and HSA on 1/1/21 for 2021 to get full year gain? Or DCA 1/1/21-12/31/21 to hedge?", "post_id": "5fdcca6b9de3c8002bb4c515", "reply_count": 9, "vote_count": 3, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early" }

Fully fund Roth and HSA on 1/1/21 for 2021 to get full year gain? Or DCA 1/1/21-12/31/21 to hedge?

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Up front. Time in the market beats timing the market for 99.9% of people over time. DCA if not enough funds.

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If possible, yes. I fully everything as much (HSA, Roth IRA & traditional 401(k)) as I can as early as possible. During the remainder of the year, I switch to invest within my taxable accounts.

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I’m doing the same. Front loading my Roth IRA in the first two months to buy into the markets and leave my account alone. If 2021 is like 2020 I want to get in early and hold

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DCA. Time in the market beats timing the market for 99.9% of people over time

Yeee D1 you just contradicted

History says all at once.

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