<prompt> Human: I recently just set up a ROTH IRA vanguard, and was curious what are the usual ways some of you deposit into it? Is it based on when you have extra money? monthly? weekly? equal transfers? lump? do you try to time the market and then decide its the appropriate time to dump it all in or most of it or do you spread it over equal monthlyweekly transfers and just sit back? Also in addition I just maxed out my 2012 5,000 limit into total stock market and was reading on PF that if you reach 10,000 you can upgrade to admiral which is essential lower costs, which I can do since the 2013 limit is 5,500, so is it a better decision to just dump all of 2013 now so I can upgrade and save on the costs difference for this year, or would it be more ideal to take the cost difference hit and spread the annual limit over months or even weekly transfers? I understand most of this may be just speculation in the end, but was just curious from your personal experience what did you find that was the best route or at least worked the best for your situation?  <response>: My understanding is that it is best to contribute as much as you can as early in the year as possible. The more time it has to accrue that interest the better. If Im wrong feel free to downvote this comment. 