I’ve maxed out my Roth IRA for the last two years by doing $500 a month. Is it wiser to do it big chunks ($2-3K a couple times) early in the year (time in the market) or $500/month for the full year (DCA). Thank you!

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Really shouldn’t matter over the long term. Historically the market goes up more than down, so putting it all in ASAP is statistically better. Last you would have been better waiting. But unless you can predict virus outbreaks in the future that does you no good. Just do what is easier for you.

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just do the $500 a month and if there is ever a massive plunge early on in the year, dump it all in.

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A useful look at various funding scenarios using historical data:

https://www.personalfinanceclub.com/five-ways-to-time-your-ira-contribution-lump-sum-monthly-and-more/

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Just remember that there are historical statistics. I always fully fund Jan 1. However it is not always better. Last years would have been better to wait. But I lump it up front based on the probability of better return.

Earlier the better is historically better. Most people do $500/month as it’s easiest on the wallet, even through front loading is best in the long run.

Won't matter in the long run, so don't worry about it.

I do all $6k in each account on 12/31. Just convenient.

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