• Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Phamily Man

Money, Nursing, Food, Life.

  • Home
  • Money
    • IRA Contribution Timing Experiment
    • Quicken Tutorials
    • Recommended Reading
  • Nursing
  • Food
  • Life

Monthly vs. Yearly IRA Contribution Experiment – March 2012 Update

April 11, 2012 by Long Pham

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

Yearly Contribution Roth IRA

FundSharesPriceCost BasisMarket ValueGain/LossGain/Loss %
VTSMX102.7435.193,264.333,615.43351.1010.76
VGTSX93.0714.621,250.001,360.76110.768.86
VBMFX45.9010.94503.96502.11-1.85-0.37
Totals:5,018.295,478.30460.019.17

Account Summary :

  • 03/23/2012 – Reinvested $14.33 dividend for Vanguard Total Stock Market Index Fund
  • 03/30/2012 – Reinvested $1.17 dividend for Vanguard Total Bond Market Index Fund
  • 03/30/2012 – Reinvested $0.23 short term capital gain for Vanguard Total Bond Market Index Fund
  • 03/30/2012 – Reinvested $0.23 long term capital gain for Vanguard Total Bond Market Index Fund

Monthly Contribution Roth IRA

FundSharesPriceCost BasisMarket ValueGain/LossGain/Loss %
VTSMX24.6735.19815.93868.2852.356.42
VGTSX22.1514.62312.50323.8111.313.62
VBMFX11.4010.94125.69124.71-0.98-0.78
Totals:1,254.121,316.8062.685.00

Account Summary :

  • 03/01/2012 – Contributed $416.66
  • 03/01/2012 – Purchased mutual funds
  • 03/23/2012 – Reinvested $3.44 dividend for Vanguard Total Stock Market Index Fund
  • 03/30/2012 – Reinvested $0.29 dividend for Vanguard Total Bond Market Index Fund
  • 03/30/2012 – Reinvested $0.06 short term capital gain for Vanguard Total Bond Market Index Fund
  • 03/30/2012 – Reinvested $0.06 long term capital gain for Vanguard Total Bond Market Index Fund

Monthly vs. Yearly IRA Account Comparison

AccountGain/Loss %% Change From Prior Month
Yearly9.17+1.75
Monthly5.00+1.75

Analysis :

  • The market continued to move upward in March.
  • Once again, the dollar cost averaging technique is pulling down returns in the Monthly IRA.
  • The Yearly Contribution IRA is benefiting greatly from the returns of VTSMX.
  • Declines in the international markets affected both portfolios.
  • The price change of the Bond Fund is directly associated with the dividend and capital gain payout.

IRA Contribution Timing Experiment Updates

  • Facebook
  • Twitter
  • Pinterest
  • Pocket
  • More
  • LinkedIn
  • Reddit
  • Email

Related

Category: Money Tags: Budget For Wealth, IRA Experiment

Did you find value in this post?

Share this post with your personal network and submit your e-mail address. I will probably never send you anything.

!
!
Subscribe
Something went wrong. Please check your entries and try again.
Previous Post: « 12 Ways You Can Save Money On Gas
Next Post: Budget For Wealth Press Release Published On Yahoo! »

Reader Interactions

Talk to me, Goose.

Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

Recent Posts

  • How I Got Into Nursing School in One Year
  • Why I Decided to Become a Nurse
  • Now or Never
  • Don’t Start Over, Take a New Direction
  • Annual vs. Monthly IRA Contribution Experiment – December 2015 Update
[adsense_hint]

Popular Posts

  • The Difference Between Financial Freedom And Financial Independence
  • What Do The Numbers After Pho Mean?
  • How I Got Into Nursing School in One Year
  • Los Angeles Zoo Membership Discount
  • Should You Make Monthly Or Yearly Contributions To An IRA?
  • What The Hell Is A Babymoon?
  • Why Do You Work?
  • What Financial Advisors Do And How They Can Help You

Footer

Keep In Touch

  RSS Feed
  YouTube | Vlog & Video Tutorials
  Facebook | Commentary
  Twitter | Random Thoughts
  Instagram | Photos
  Pinterest | Interesting Things
  Google+ | Blog Feed

Categories

Archives

  • Contact
  • About
  • Disclosure
  • Privacy Policy
  • Terms Of Use

Copyright © 2019 Phamily Man

loading Cancel
Post was not sent - check your email addresses!
Email check failed, please try again
Sorry, your blog cannot share posts by email.