A reminder to max out your 2025 IRA as soon as possible

Friends,

Merry Christmastide. As most of the wise posters here say, "Time in the market beats timing the market." As such, it is imperative for the good investor to max out his or her IRA as soon as possible each calendar year, as we all know the true year starts on the first Advent Sunday. Only once in the last five years have I been on the ball and maxed out my IRA on January 1. Over night, a dream came to me to do so today. This year's max IRA contribution is $7,000. If you are 50 or older, the max is $8,000. Having used Chase, Schwab, Fidelity, and Vanguard in the past, I have found Vanguard's website the easiest to navigate and complete a conversion. The worst is Chase, which requires you to print out forms and mail them. Vanguard is as easy as clicking a button.

It is a habit for me to wait a week or two after funds settle before converting to a Roth. Uncle taught me that, and out of tradition I abide by his advice. But I wonder if waiting is necessary. Whereas in my earlier days, I invested in individual companies, I rarely do so today. Instead, I have in more recent years favored mutual funds such as VIGAX and VOO. What are your 2025 IRA investments?

Yours,
TulaneLSU