Lump sum or recurring contributions to IRA?

Statistically lump sum contributors come out ahead in the long term, but like all investment, it comes with risk. If the market declines you could lose a portion of the contribution. But not all people can throw 5,500 around. So recurring contributions of 5500/12 would be an easy way to contribute your limit. Or you can contribute something more manageable and if you can lump sum at the end of the year go for it.

TL;DR lump sum is risky but statistically pays off better in long run
recurring is safer and more manageable for people who can't throw 5,500 in an account right away