Monthly vs. Yearly IRA Contribution Experiment – July 2012 Update
The Monthly vs. Yearly IRA contribution timing experiment July 2012 update.
Yearly Contribution Roth IRA
|
Fund
|
Shares
|
Price
|
Cost Basis
|
Market Value
|
Gain/Loss
|
Gain/Loss %
|
|---|---|---|---|---|---|---|
|
VTSMX
|
103.23
|
34.25
|
3,280.56
|
3,535.61
|
255.05
|
7.77
|
|
VGTSX
|
93.07
|
13.59
|
1,250.00
|
1,264.89
|
14.89
|
1.19
|
|
VBMFX
|
46.30
|
11.23
|
508.43
|
519.94
|
11.51
|
2.26
|
|
Totals:
|
5,038.99
|
5,320.44
|
281.45
|
5.59
|
Account Summary :
- 07/31/2012 – Reinvested $1.10 dividend for Vanguard Total Bond Market Index Fund
Monthly Contribution Roth IRA
|
Fund
|
Shares
|
Price
|
Cost Basis
|
Market Value
|
Gain/Loss
|
Gain/Loss %
|
|---|---|---|---|---|---|---|
|
VTSMX
|
56.69
|
34.25
|
1,906.91
|
1,941.80
|
34.89
|
1.83
|
|
VGTSX
|
52.44
|
13.59
|
729.14
|
712.63
|
-16.51
|
-2.26
|
|
VBMFX
|
26.64
|
11.23
|
294.39
|
299.18
|
4.79
|
1.63
|
|
Totals:
|
2,930.44
|
2,953.61
|
23.17
|
0.79
|
Account Summary :
- 07/01/2012 – Contributed $416.66
- 07/02/2012 – Purchased mutual funds
- 07/31/2012 – Reinvested $0.63 dividend for Vanguard Total Bond Market Index Fund
Monthly vs. Yearly IRA Account Comparison
|
Account
|
Gain/Loss %
|
% Change From Prior Month
|
|---|---|---|
|
Yearly
|
5.59
|
+0.93
|
|
Monthly
|
0.79
|
+0.87
|
Analysis :
- July was a roller coaster month, marking two strong dips and two strong rallies. There really isn’t much to note for the month. It’s obvious that there was a lot of emotional trading that occurred based on news reports.
- The Yearly IRA is outperforming the Monthly with a respectable 5.59% gain to date.
Posted by Long