<prompt> Human: Hi, I am planning to open a Roth IRA soon. Im wondering if its better to do one payment of 5,500 every January 1, or if its better to do 26 payments of 211 I receive 26 paychecks per calendar year. Is there a financial advantage to doing one over the other? Thanks!  <response>: From our FAQ: Should I invest a lump sum all at once, or employ a dollar cost averaging strategy? 