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Subject:  Re: Timing Roth Contributions Date:  1/8/2013  5:28 PM
Author:  JLC Number:  71233 of 88033

Way back in the day when this website first started, they had an article that covered just this concept. Here is a summary.

Investor A had perfect timing and invested every year at the market bottom (the best time) and Investor B had the worst possible timing and invested every year at the market peak (the worst time). Over the next 30 years Investor A had an average return of 9% and Investor B had a return of 7% (or something like that).

While there is a difference which over time can add up to $$$, more than likely you will land in between, say 8%. Which really isn't that big a difference, statistical noise. And more importantly, not worth wasting your time and/or energy worrying about when you have more important things to do like: play catch with your son, walk on the beach with significant other, visit close friends, etc., etc., etc.

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