So I fully fund my roth every year in April and trickle the money in over a couple of months to avoid buying all at once. Any thoughts on a stronger strategy given the heat of the market right now?

This post was edited on 3/6/17 at 2:41 pm

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Posted by Zilla

Member since Jul 2005

10599 posts

Posted on 3/6/17 at 2:39 pm to bobaftt1212

tell you what I've been doing in order to try to mitigate macro buy and hold risk... I have a couple stocks that I like generally and I just swing trade large amounts... I'm out of the market 95% of the time...I'm up about 20% each of the last 3 years using this strategy... It's risky in terms of diversification but I feel like me simply being out of the market most of the time makes up for that risk... Otherwise, just stay cash heavy until you are comfortable.

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Posted by yellowhammer2098

New Orleans, LA

Member since Mar 2013

3850 posts

Posted on 3/6/17 at 2:45 pm to bobaftt1212

Time in the market is more important than timing the market. I'd fully fund in January (of tax year) and dollar cost average with that as opposed to buying in April (at last minute as I assume you're doing) and DCAing from there.

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Posted by bobaftt1212

Hills of TN

Member since Mar 2013

1313 posts

Posted on 3/6/17 at 3:51 pm to yellowhammer2098

that is pretty much the advice I expected. I will be doing better going forward.

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Posted by slackster

Houston

Member since Mar 2009

84582 posts

Posted on 3/6/17 at 4:06 pm to bobaftt1212

quote:
So I fully fund my roth every year in April and trickle the money in over a couple of months to avoid buying all at once. Any thoughts on a stronger strategy given the heat of the market right now?

If you're looking for the better long-term financial strategy, funding and investing as a lump-sum will beat dollar cost averaging more times than not. DCA only has the edge from a psychological standpoint.

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