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Monthly vs. Yearly IRA Contribution Experiment – December 2012 Update

January 15, 2013 by Long Pham

The Monthly vs. Yearly IRA contribution timing experiment December 2012 update.

Yearly Contribution Roth IRA

FundSharesPriceCost BasisMarket ValueGain/LossGain/Loss %
VTSMX104.4435.643,324.243,772.31398.0711.97
VGTSX95.8714.981,290.981,436.08145.1011.24
VBMFX47.0011.09516.20521.194.990.97
Totals:5,131.425,679.58548.1610.68

Account Summary :

  • 12/18/2012 – Reinvested $26.44 dividend for Vanguard Total Stock Market Index Fund
  • 12/18/2012 – Reinvested $18.64 dividend for Vanguard Total International Stock Market Index
  • 12/20/2012 – Reinvested $1.03 short-term capital gain for Vanguard Total Bond Market Index Fund
  • 12/20/2012 – Reinvested $1.59 long-term capital gain for Vanguard Total Bond Market Index Fund
  • 12/31/2012 – Reinvested $1.00 dividend for Vanguard Total Bond Market Index Fund

Monthly Contribution Roth IRA

FundSharesPriceCost BasisMarket ValueGain/LossGain/Loss %
VTSMX99.9035.643,340.783,560.55219.776.58
VGTSX91.5614.981,284.021,371.6687.646.83
VBMFX42.0811.09467.26466.70-0.56-0.12
Totals:5,092.065,398.91306.856.03

Account Summary :

  • 12/01/2012 – Contributed $416.74
  • 12/01/2012 – Purchased mutual funds
  • 12/18/2012 – Reinvested $25.30 dividend for Vanguard Total Stock Market Index Fund
  • 12/18/2012 – Reinvested $17.80 dividend for Vanguard Total International Stock Market Index
  • 12/20/2012 – Reinvested $0.92 short-term capital gain for Vanguard Total Bond Market Index Fund
  • 12/20/2012 – Reinvested $1.42 long-term capital gain for Vanguard Total Bond Market Index Fund
  • 12/31/2012 – Reinvested $0.90 dividend for Vanguard Total Bond Market Index Fund

Monthly vs. Yearly IRA Account Comparison

AccountGain/Loss %% Change From Prior Month
Yearly10.68+1.80
Monthly6.03+1.81

Analysis :

  • The market went on a wild ride in December as talks about the “fiscal cliff” worried emotional investors.
  • During this past year, holding on to an investment strategy paid off as both the annual contribution and monthly contribution IRA accounts recorded earnings.
  • In 2012, the Yearly IRA did 4.65% better than the Monthly IRA. The Yearly IRA did this by investing the lump-sum on the first trading day of 2012, which happened to be the lowest close of the year for the S&P 500.

IRA Contribution Timing Experiment Updates

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Category: Money Tags: Budget For Wealth, IRA Experiment

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