Annual vs. Monthly IRA Contribution Experiment – May 2014 Update

The Annual vs. Monthly IRA Contribution Timing Experiment May 2014 Update.

Annual Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
312.50 18.50 5,500.00 5,781.25 281.25

Account Summary:

  • No account transactions to report.

Monthly Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
149.03 18.50 2,636.00 2,757.09 121.09

Account Summary:

  • 05/01/2014 – Contributed $409.00
  • 05/01/2014 – Purchased mutual fund (VTIVX)

Annual vs. Monthly IRA Account Comparison

Account % Monthly Return Total % Gain/Loss
Annual 1.93 5.11
Monthly 1.92 4.59

Analysis:

  • I haven’t been following the stock market and related news lately, but it looks like investments bumped back up – causing the Annual Roth IRA to pull back in the lead.

IRA Contribution Timing Experiment

Annual vs. Monthly IRA Contribution Experiment – April 2014 Update

The Annual vs. Monthly IRA Contribution Timing Experiment April 2014 Update.

Annual Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
312.50 18.15 5,500.00 5,671.87 171.87

Account Summary:

  • No account transactions to report.

Monthly Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
126.51 18.15 2,227.00 2,296.16 69.16

Account Summary:

  • 04/01/2014 – Contributed $409.00
  • 04/01/2014 – Purchased mutual fund (VTIVX)

Annual vs. Monthly IRA Account Comparison

Account % Monthly Return Total % Gain/Loss
Annual 0.50 3.12
Monthly 0.38 3.11

Analysis:

  • The markets reacted wildly throughout the month, but ended fairly flat again in the month of April.
  • A lot of poor corporate earnings from the first quarter were blamed on the harsh winter in the Northeast region.
  • Hiring, and the overall economy seem to be growing slowly.
  • Both experimental accounts’ performance are back in line.

IRA Contribution Timing Experiment

Quicken Tutorial: How To Add A 529 Plan

How To Add A 529 Plan

This step-by-step, narrated, video tutorial will visually teach you how to add a 529 College Savings Plan in the Quicken Personal Finance Software suite.

Before You Start:

  • Have your latest 529 Plan account statement, or initial 529 Plan balance (if you have a brand new account) available.
  • Optional: Your online credentials/login information for your 529 College Savings Plan account.

Watch More Quicken Tutorials

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