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Monthly vs. Yearly IRA Contribution Experiment – November 2012 Update

December 5, 2012 by Long Pham

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

Yearly Contribution Roth IRA

FundSharesPriceCost BasisMarket ValueGain/LossGain/Loss %
VTSMX103.7034.573,297.803678.38380.5811.54
VGTSX94.6114.571,272.341378.55106.218.35
VBMFX46.6711.19512.58522.249.661.88
Totals:5,082.725,579.17496.459.77

Account Summary :

  • 11/30/2012 – Reinvested $1.00 dividend for Vanguard Total Bond Market Index Fund

Monthly Contribution Roth IRA

FundSharesPriceCost BasisMarket ValueGain/LossGain/Loss %
VTSMX91.5634.573,044.603,247.65203.056.67
VGTSX83.2214.571,162.031,162.5250.494.34
VBMFX38.0711.19422.35422.353.610.85
Totals:4,628.984,628.98257.155.56

Account Summary :

  • 11/01/2012 – Contributed $416.66
  • 11/01/2012 – Purchased mutual funds
  • 11/30/2012 – Reinvested $0.82 dividend for Vanguard Total Bond Market Index Fund

Monthly vs. Yearly IRA Account Comparison

AccountGain/Loss %% Change From Prior Month
Yearly9.77+0.95
Monthly5.56+0.87

Analysis :

  • A lot of market activity from emotional trading based on “fiscal cliff” debate talk. The market took a big dip and then basically recovered.
  • Happenings in Europe are really taking a drag on the international markets. The biggest concern is instability in Greece, but the European Union is extending bailout funds for them.
  • Mixed news happening with global demand, especially in China. We’re seeing a lot of indicators for doom, but real estate is booming.
  • The Yearly (lump-sum contribution) IRA is starting to really outpace the Monthly Contribution IRA.

IRA Contribution Timing Experiment Updates

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Category: Money Tags: Budget For Wealth, IRA Experiment

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