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Why Investors Wait Until April to Fund Their IRA

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Some investors are loath to fund their IRA until the last minute, waiting until shortly before the April 15 deadline, a practice that can affect the returns on their retirement portfolios.

Although a large number of investors follow this strategy, waiting until April to make the contribution yields lower returns long-term, said Robert Johnson, president of The American College of Financial Services in Bryn Mawr, Pa.