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Subject:  Re: Roth Contribution techniques Date:  1/22/2003  9:06 PM
Author:  MadCapitalist Number:  35605 of 86452

I have a question about Roth IRA contribution techniques. For those of you that have a Roth, do you put all your money into the given investment(s) in one lump sum at a certain time? Or, do you dollar-cost average over the year or only at certain times during the year? I've heard several recommendations on this and am not sure which presents the greater advantage--especially the one about dollar-cost averaging in the months of July and October. Thoughts or opinions?

If you already *have* a lump sum to invest, then you will likely do better by investing immediately. However, it is less risky to dollar-cost average. I wouldn't worry about it too much. It isn't likely to make a huge difference.
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