The Monthly vs. Yearly IRA contribution timing experiment November 2012 update.
Yearly Contribution Roth IRA
| Fund | Shares | Price | Cost Basis | Market Value | Gain/Loss | Gain/Loss % |
|---|---|---|---|---|---|---|
| VTSMX | 103.70 | 34.57 | 3,297.80 | 3678.38 | 380.58 | 11.54 |
| VGTSX | 94.61 | 14.57 | 1,272.34 | 1378.55 | 106.21 | 8.35 |
| VBMFX | 46.67 | 11.19 | 512.58 | 522.24 | 9.66 | 1.88 |
| Totals: | 5,082.72 | 5,579.17 | 496.45 | 9.77 |
Account Summary :
- 11/30/2012 – Reinvested $1.00 dividend for Vanguard Total Bond Market Index Fund
Monthly Contribution Roth IRA
| Fund | Shares | Price | Cost Basis | Market Value | Gain/Loss | Gain/Loss % |
|---|---|---|---|---|---|---|
| VTSMX | 91.56 | 34.57 | 3,044.60 | 3,247.65 | 203.05 | 6.67 |
| VGTSX | 83.22 | 14.57 | 1,162.03 | 1,162.52 | 50.49 | 4.34 |
| VBMFX | 38.07 | 11.19 | 422.35 | 422.35 | 3.61 | 0.85 |
| Totals: | 4,628.98 | 4,628.98 | 257.15 | 5.56 |
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
| Account | Gain/Loss % | % Change From Prior Month |
|---|---|---|
| Yearly | 9.77 | +0.95 |
| Monthly | 5.56 | +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.
Talk to me, Goose.