<prompt> Human: Hey everyone, question regarding the best strategy for 2018 investing. Roth IRA maxed for 2017, ready to invest another lump sum in Jan to max out 2018, but wondering if I should invest that amount into a personal account with Vanguard or Fidelity and then contribute to 2018 Roth on a monthly basis. E-fund is already set and this is additional savings to be smarter with than Ive been. Second question, if I go ahead and lump sum 2018 in Jan what should I do with the amount set aside each month to fund the next year? High yield savings account? I wonder because following this strategy gets me into a cycle of funding once per year, which seems like a poor pattern.  <response>: Dollar cost averaging underperforms lump sum about 60 of the time. So its a little better than a coin flip that lump sum is better...That doesnt, however, take into account the current climate, which may skew the odds in favor of DCA. Then again people have been predicting 37 of the last 0 crashes. 