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Subject:  Re: IRA Contribution Approach Date:  3/20/2000  12:27 AM
Author:  lectic Number:  20275 of 88772

Re: Your question on when to invest

My suggestion would be to put it all in at once in January even if you have to tap other savings. The sooner you put the most you can into a tax deferred plan the better. Yes, the market may go down in the short term but who can time the market. This type of investing is truly long term so short terms ups and downs don't matter. The only exception to this might be if you wind up triggering taxable gain to get the money to put in, as in selling appreciated securities in a taxable account. Even there I think you're better off investing early.

Good luck
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