My thought was that maxing out my Roth RIA contribution as soon as possible would give me the highest yield on average if I maxed it out as soon as possible. Last year worked out pretty well. Last year I maxed it out at about summertime and saw pretty good gains the rest of the year. This year, I maxed it out on January 1 and of course, the first two months worked out very well. However, as we all know now it’s been feeling pretty rough the last two months. So I’m wondering if I should continue to max out my Roth IRA contribution on January 1 every year?