Hi there,I'm 23, with two years of Roth IRA deposits behind me and 40+ in front of me, and I want to do this right. I recently took control of my IRA (my parents had it in a high-fee, low-performing mutual fund through a bank) and it is now invested in the Vanguard Growth Index.My question is this: I want to make regular contributions every year at the same time of year, to keep myself on a constant schedule. Is there a "best time" of year to do this, or does it not matter what time of year I pick? I'm leaning toward late November but am an investment beginner, so please advise. Feel free to tell me time of year doesn't matter at all, if it in fact doesn't :) But if it *does* matter for maximum returns, please help me choose correctly. Thanks!Stephanie
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