IRA Contribution....all at once or spread out? What say you? (1 Viewer)

[eoMMan]

We all know that you shouldn't really time the market but how do you fund your IRA? All at once at some point in the year? A little bit each month? Each pay check?

 

[RUSF18]

My 401k/TSP, wife's 401k - bi-weekly with paycheck contributions.

Roth - lump sum for both.

 

[FUBAR]

My 401k/TSP, wife's 401k - bi-weekly with paycheck contributions.

Roth - lump sum for both.

pretty much the same here.

My TSP and Roth - monthly, automatic from paycheck. I don't even think about this other than the annual check to see if my balance is right.

Wife's Roth - once, sometimes it takes two months to max it. First investment each year outside the TSP. Usually in Feb and our tax return goes here.

Each of my kids' ESA - one at a time, once each when I have the next $2k to put in. Going from oldest to youngest, usually takes me until July to max these. (4 kids)

House fund - whatever I can put in the rest of the year. I keep $7k in checking, the rest gets transferred on a monthly basis.