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Monthly vs. Yearly IRA Contribution Experiment – May 2012 Update

June 7, 2012 by Long Pham

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

Yearly Contribution Roth IRA

FundSharesPriceCost BasisMarket ValueGain/LossGain/Loss %
VTSMX102.7432.783,264.333,367.82103.493.17
VGTSX93.0712.771,250.001,188.57-61.43-4.91
VBMFX46.1011.12506.22512.646.421.27
Totals:5,020.555,069.0348.480.97

Account Summary :

  • 05/31/2012 – Reinvested $1.13 dividend for Vanguard Total Bond Market Index Fund

Monthly Contribution Roth IRA

FundSharesPriceCost BasisMarket ValueGain/LossGain/Loss %
VTSMX40.0232.781,357.591,311.89-45.70-3.37
VGTSX36.4412.77520.82465.33-55.49-10.65
VBMFX19.0611.12209.87211.922.050.98
Totals:2,088.281,989.14-99.14-4.75

Account Summary :

  • 05/01/2012 – Contributed $416.66
  • 05/01/2012 – Purchased mutual funds
  • 05/31/2012 – Reinvested $0.47 dividend for Vanguard Total Bond Market Index Fund

Monthly vs. Yearly IRA Account Comparison

AccountGain/Loss %% Change From Prior Month
Yearly0.97-6.75
Monthly-4.75-6.78

Analysis :

  • There was a huge market sell-off in May. “Sell in May and go away” really sounds like good advice when looking back at last month’s performance.
  • Fears of Greece possibly exiting the euro zone and news of Spain bailing out a major bank drove markets around the world lower.
  • The jobs report for May was disappointing for investors on the last trading day of the month. Confidence of a recovering economy faltered when the unemployment rate increased to 8.2%.

IRA Contribution Timing Experiment Updates

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Category: Money Tags: Budget For Wealth, IRA Experiment

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