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Subject:  Re: Timing Roth Contributions Date:  1/8/2013  4:52 PM
Author:  crackdclaw Number:  71231 of 88495

With one exception - if you aren't absolutely, positively sure you qualify to contribute, I would wait until you are

Agree, but the OP stated he wants to make this initial contribution of $1,000. into a ROTH, with the designation that it's for 2012. Then continue with funding the ROTH in 2013 with monthly contributions.

I would gather he should have a pretty good idea if he is eligible for 2012, as the year has concluded. I get you point, it's accurate, but I think it's important the OP just send the money in and get started, rather then being diverted with fiscal cliff and timing issues. At one time I thought that way myself, more concerned with market returns vs. just funding the account.
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