<prompt> Human: My wife and I are currently saving for our childs future expenses first car, education, etc, but I have a question. Weve been saving 100 a month, but does that have a any advantages over just doing a lump sum at the beginning of the year of 1,200? Thanks in advance for your response.  <response>: I dont know what kind of investments you have available in US, but it is quite almost the case to be better to invest earlier. I say that because if you invest 100 in some account that gives you interest over each month, after 12 months adding 100 each month youll end up with more than the sum 1200. Suppose you find a safe investment that gives you 1month or 12.7year of interest not counting inflation or service rate. At the end of each month youll have more than what youve added. And at the end of 12 months you will have accumulated 1268 dollars instead of just 1200. 