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>> Well, the Duh moment is that I could still contribute the full amount into the account on the 1st into a MMF and still DCA into equities if I choose (after all, I'd be sitting on cash anyway as it slowly was deposited in the IRA throughout the year). So, for the past 6 years or so (guestimating when my cashflow would easily allow me to lump sum contribute) I have been paying more taxes than I had to. Doh! This Jan, I will open an MMF in my IRA and transfer the full amount. <<

Just one note: this assumes you invest in mutual funds and not individual equities. DCAing with individual stocks for $333.33 at a time ($416.66 at a time in January) would be a killer with all the commissions on those small trades, even at only $10 per trade or less.

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