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I spent some time last week debating about whether to lump sum invest or continue to dollar cost average some money into my Roth IRA. In the end, I decided to go with continuing to be mostly indecisive. (I think that’s similar to “mostly dead“.)

That’s right. I dumped $2500 into my Roth, and stuck the remaining $1500 into savings. (My Roth already had a thousand in it.) I will probably still fund my Roth much more aggressively than I’d originally intended, but I just couldn’t bring myself to put it all in there at once.

Someone mentioned something recently that I thought was good advice. They said that if the market is heading up at a steady rate, it’s usually better to lump-sum invest. But if it looks like it’s declining, dollar cost averaging may be the way to go. This makes sense, in an obvious way that hadn’t occurred to me before.

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