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The previous couple years I’ve maxed out my Roth IRA on Jan 1st with a 60/40 VTI/VXUS to maximise time out there. Nevertheless I’m questioning if anybody has crunched the numbers on whether or not lump sum or DCA has introduced in larger returns? Additionally I ponder if there’s lots of people maxing out their Roths on Jan 1st that will inflate the value of the etfs, so ought to I wait per week or two? Curious to listen to others methods right here
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