thisguyntx, you asked:<< I have a question about Roth IRA contribution techniques. For those of you that have a Roth, do you put all your money into the given investment(s) in one lump sum at a certain time? Or, do you dollar-cost average over the year or only at certain times during the year? I've heard several recommendations on this and am not sure which presents the greater advantage--especially the one about dollar-cost averaging in the months of July and October. Thoughts or opinions? >>Dollar-cost-averaging is really just about reducing risk. So if there is some particular concern about a major move downward over a period of time, then dollar-cost-averaging over that period of time makes a lot of sense. But if one feels there's a better than average chance of the market moving upward over that period, just lump-summing would make more sense. This is a risk management issue one needs to make a decision on based on their own risk tolerance.
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