My wife and I each have a Roth IRA that we contribute the $4000 every Jan for new year. The IRAs are in two index funds with T Rowe Price. My question is: Which method of contributing would be more beneficial: A: Contribute equal amounts monthly to the IRAs (aka Dollar cost averaging) B: Continue contributing a lump sum each Jan.If B then should we: 1) Contribute from regular savings 2) Contribute monthly the year prior to a separate fund and transfer the lump sum in Jan. C: None of the aboveThanks in advance for all the help!Mike
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