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Hi KKeeper,
When you are using IRA's, eg. pre tax investments, the dollar cost averaging really dosen't play. All the money that comes back out of the IRA is taxed at your normal income tax rates. There is no cost minus sales price calculation done. You just pay the 28%, or whatever your rate is, on the amount you withdraw.
Thus, I think that the reason you SHOULD put your money into the IRA account in a single lump sum is to start the tax free earning on Jan 1 each year. Don't be paying taxes on the earnings of these funds during the year.
I hope this helps.
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