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REDDIT

I just opened a Roth IRA account, should I max out my contributions immediately or DCA?

K
Feb 25, 2025 · 19:25

I know there seems to be uncertainty in the market. I have a 401k through work and finally decided to open up a ROTH IRA. I’m waiting for my bank to link to the account and put in my 2024 contribution before April.

What I’m wondering is for my 2025 contribution should I lump sum hit my $7000 cap at once or should I DCA throughout the year since people are thinking the market is going to drop.