• Skip to 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. Annual IRA Contribution Experiment – October 2013 Update

October 14, 2013 by Long Pham

The Monthly vs. Annual lump-sum IRA contribution timing experiment October 2013 update.

Annual Contribution Roth IRA

FundSharesPriceCost BasisMarket ValueGain/LossGain/Loss %
VTSMX203.6144.526,960.799,064.722,103.9330.23
VGTSX188.7116.592,707.673,130.70423.0315.62
VBMFX104.3610.691,150.161,115.62-34.54-3.00
Totals:10,818.6213,311.042,492.4223.04

Account Summary :

  • 10/31/2013 – Reinvested $2.38 dividend for Vanguard Total Bond Market Index Fund

Monthly Contribution Roth IRA

FundSharesPriceCost BasisMarket ValueGain/LossGain/Loss %
VTSMX174.5544.426,331.407,753.451,422.0522.46
VGTSX167.2816.672,451.512,788.59337.0813.75
VBMFX93.6310.721,028.391,003.75-24.64-2.40
Totals:9,811.3011,545.791,734.4917.68

Account Summary :

  • 10/01/2013 – Contributed $458.33
  • 10/01/2013 – Purchased mutual funds
  • 10/31/2013 – Reinvested $2.13 dividend for Vanguard Total Bond Market Index Fund

Monthly vs. Annual IRA Account Comparison

<table

AccountGain/Loss %% Change From Prior MonthAnnual23.043.73Monthly17.683.69

Analysis :

  • The Federal Reserve is continuing with its bond purchasing program. That decision was rejoiced by investors.
  • Housing sales have weakened, and mortgage rates have fallen slightly with demand.
  • Corporate earnings have slowed, but stock earnings exploded in October. Indexes kept peaking at new highs, only to settle on the last trading day.
  • Tech IPO’s continue to rock the market. I can only say, don’t get involved in the hype. Let indexing work for you.
  • The Annual Contribution IRA has benefited from recent market performance, pushing its gain percentage ahead of the Monthly Contribution IRA. However, as evidenced by the Total Bond Market Index Fund, monthly purchases seem to help mitigate losses.

IRA Contribution Timing Experiment Updates

  • Facebook
  • Twitter
  • Pinterest
  • Pocket
  • More
  • LinkedIn
  • Google
  • 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: « Monthly vs. Annual IRA Contribution Experiment – September 2013 Update
Next Post: Building A Computer – The Cooler »

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

Popular Posts

  • Los Angeles Zoo Membership Discount
  • How I Got Into Nursing School in One Year
  • So What If It's A Chain?
  • Delicious Desserts & Loyalty
  • At Least We Got Porto's
  • Flappy Jack's Pancake House
  • Korean Food Fantasy
  • The Difference Between Financial Freedom And Financial Independence
  • Maybe I Expect Too Much

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.