<prompt> Human: So I was just able to open up a Roth IRA account with Fidelity, I was attempting to get it up before the April 15th deadline for 2013 taxes, but failed due to my own laziness. I have about 4,000 put aside in my savings account for this IRA contribution but I have a dilemma. Should I plan on actually buying the index ETFs bi-monthly to attempt a dollar cost averaging investment strategy or should I dump the full 4,000 in the market all at once?  <response>: If you have the money, dump it in now. 