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Rationally or not, I preferred to DCA even though I theoretically was lowering my returns by not being fully invested throughout the year even though I have become more affluent and could contribute the full amount on January 1st if I chose.

I guess the question is how to know which is best to do -- put it all in at the first of the year, or DCA month-by-month. There's really no way to know, is there? Depends on the market. The last few years we've been putting it all in at the first of the year. I've been planning to do this for 2008 as well. Is Jan. 2, 2008 (a Wednesday) the first day we'd be able to make the transfer?

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