Timing the Market (Roth IRA)

[Terrapin88]

I plan on starting a ROTH IRA for the 2004 tax year and funding the maximum of $3,000. I have to purchase this by April 15, and feel like my timing is horrible as the market is at a 4 year high right now.

I know this money is a long term investment (i'm 28), but I feel like the bad timing is going to cost me some money.

also, would you recommend an annual lump sum payment or monthly or quartly installments to fund a ROTH?

Best.