Given the magic of compound interest, is it worth me maxing out my $30,000 concessional super contribution limit as early in the year as possible rather than spread out over the year?

Because of the way the mathematics of compounding work the rate of return matters little if the time is short. Therefore, based on the mathematics alone there is no special benefit in paying monthly instead of yearly.

However, timing does affect potential gains or losses. If you make a lump sum investment in July and the market drops over the following 12 months, you could see a loss (though only on paper). Conversely, if the market starts low in July and rises over the next year, you could see a gain.

Because of the way the mathematics of compounding work the rate of return matters little if the time is short.Credit: Michael Howard

I think monthly payments are best for the average person because you can take advantage of dollar cost averaging, which smooths out volatility, and most people find it easier to pay $2500 a month than $30,000 in one lump sum.

I read your........

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