IRA - front loading or DCA? What's your preference and why?

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I’d say DCA since were at record highs.

If you look historically, we are usually near record highs

Flip your coin

You must have great financial success with that approach !!!

Front loading is statistically preferable since the market has gone up more than it has gone down. DCA will smooth out the ups and downs. If you have a long time horizon or the amount is relatively small, it won’t make a difference either way. I front load, but it did not work out great last year when I invested in January. With the benefit of hindsight, DCA would haven been better. I would continue to immediately invest but DCA may be easier for some psychologically

Are you talking about a large amount? If not it will not matter over the long term. My 2020 investment was cashing out a pension from an old employer. I rolled if it into my Ira and immediately put it in the market. Then February came along and I was down about 30 percent. At year end I am up from January, but that could have taken years and not months. Point of this babbling is that if you have a long enough horizon, you will be fine either way. So don’t worry about which way to go unless it is a really large amount or you don’t have that much time

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My 401k is much larger and I DCA that so to the extent possible I'll frontload my IRA. Like in the pinned 401k post frontload results in a better answer more often than not.

If you don't have the cash available, $500/mo is a nice round number and easy to budget.

Front load if possible.

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