The answer to the question depends on what the market does during the year. If it goes up and down and stays about the same, dollar cost averaging is better. If it goes progressively up, you do better to have all your money in at the beginning. I've seen tables showing how it is better to put the money in at the beginning of the year vs on the last possible date. On average, markets go up, so on average, you are better off doing just what you are doing. That doesn't mean that years won't exist where the reverse is true. Best wishes, Chris
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