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In 2001 & 2002 I funded both my and my wife's Roth IRA's at the 1st of the year. Each year I took a beating. This year I DCA'd, but in hindsight I would have been better off funding them at the 1st of the year. Even so, after 2001 & 2002, I'm going to continue to DCA (don't puke Nick). For a working slug such as myself, it is just the best rum-dumb way to invest (my opinion).

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