I was always under the impression that Roth IRA was unnecessary until you max your 401k first. Figured out that wasnt really correct, so I opened a Roth IRA account with vanguard and deposited the annual maximum (6.5k). Are there any drawbacks of doing that as opposed to contributing monthly/every paycheck?
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A dip could happen right after that you missed.
But then again now may have been a dip.
I think it was posted here about a study finding a single lump-sum investment provides more potential growth better than breaking it up, but also has a higher chance of going down. Which…makes sense.
Time in the market is better than trying to time the market especially if you are young and this is retirement money. Just be sure that you can actually do a Roth when you also have a 401k at work. https://www.fool.com/retirement/plans/401k/contribute-to-401k-and-roth-ira/ there are income limitations.
Nope. You can look as DCA (dollar cost averaging) as an every month tool or every year tool. As long as you are consistent, it plays out to your advantage. So with the RothIRA, all you need to know is that you can insure to have enough qualified income to fund it – then max it out and dump it into your investment(s) of choice) every year and be done with the task.
I think you might be confusing “contributing” to Roth IRA and “investing.
A lot of other commenters mentioned dollar cost averaging. This is something you might be considering. But you can just simply contribute the max to the Roth IRA now. this goes into a settlement account which is money market fund (probably making close to 5% nowadays anyway), and then you can move the funds into whatever investments you want at your leisure.
Not a bad idea too DCA do you think the market might go down over the next couple months but as people commented, often time invested is more important than the timing…
One potential drawback is if you put in the max $6500 now but get a large income increase before the end of the year, your allowed 2023 Roth limit may get reduced. That’d require you to remove any excess (potentially the entire $6500), along with any growth that happened on that chunk of money between deposit / removal. It’s not a big issue, but does introduce some extra work.
Beyond that, if you have the funds available now, there’s not really a major difference between doing it all at once vs. split up. Some studies comparing “lump sum” vs “monthly” (where the same total is put in during a given year) showed lump having better results 2/3rds of the time. But that’s not 100% of the time, and practically speaking there’s no way to be sure about which is better until after it’s too late to change. Also, the marginal difference isn’t huge, I think I remember it mentioning 5-10% improvement from lump-sum in those situations it would’ve done better.
You also don’t have to do the same thing every year, which would tweak the overall end result.
Either choice is “good”, and the factors that will definitively make one “better” isn’t something we can really know. Pick one you’re comfortable with, implement it, and go on with the rest of your life.
The main advantage to contributing monthly/per check is that it makes you invest using a dollar cost average strategy.
Dollar cost averaging is a favorable strategy if you are going with the effective but boring Index Fund strategy because it reduces your downside risk by avoiding the implicit bet of putting your buy order in all at once.
In your case you could just set up repeating monthly buy orders on your index fund of choice and forget about it till next year, all the while putting next year’s contribution in a HYSA
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