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Werewolfdad t1_iye8ohh wrote

It doesn't meaningfully matter. I did analysis using portfolio visualizer and across 20 years, if investing in VTSAX, the final difference in balance is less than 1% (not per year, in total) between investing 20500 up front on Jan 1 vs spread through the year . For a longer time frame, the difference would be smaller

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xxxITthrowaway OP t1_iyf19mc wrote

Good to know I dont need to consider that point. Thanks!

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Werewolfdad t1_iyf1t3j wrote

And the later in life you are (and larger the balance is) the less it matters since you start with a larger and larger balance each Jan 1

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