Monthly vs. Annual IRA Contribution Experiment – December 2013 Update

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

Annual Contribution Roth IRA

Fund Shares Price Cost Basis Market Value Gain/Loss Gain/Loss %
VTSMX 204.62 46.67 7,007.07 9,549.80 2,542.79 36.29
VGTSX 190.38 16.75 2,734.84 3,188.88 454.04 16.60
VBMFX 104.89 10.56 1,155.76 1,107.63 -48.13 -4.16
Totals: 10,897.61 13,846.31 2,947.70 27.06

Account Summary :… Continue Reading

Monthly vs. Annual IRA Contribution Experiment – November 2013 Update

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

Annual Contribution Roth IRA

Fund Shares Price Cost Basis Market Value Gain/Loss Gain/Loss %
VTSMX 203.61 45.70 6,960.79 9,304.98 2,344.19 33.68
VGTSX 188.71 16.69 2,707.67 3,149.57 441.90 16.32
VBMFX 104.58 10.66 1,152.51 1,114.84 -37.67 -3.27
Totals: 10,820.97 13,569.39 2,748.42 25.40

Account Summary :… Continue Reading

Quicken Black Friday/Cyber Monday Sale

If you don’t already track your income and expenses, you need to get started now. I started using Quicken in 2003 and have been very happy with the way it has kept my finances organized throughout the years.

I use it to automatically keep track of paychecks (so I can project income), notify me of … Continue Reading

Personal Update – 3rd Quarter 2013

I haven’t written much during this past quarter. It’s been mostly a time management issue, as I’ve been taking on more freelance work and spending a lot less time than I should working on my blog. Now that my daughter is walking, time management has become a huge issue for me on the days that … Continue Reading

Monthly vs. Annual IRA Contribution Experiment – September 2013 Update

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

Annual Contribution Roth IRA

Fund Shares Price Cost Basis Market Value Gain/Loss Gain/Loss %
VTSMX 203.61 42.62 6,960.79 8,677.86 1,717.07 24.67
VGTSX 188.71 16.12 2,707.67 3,042.00 334.33 12.35
VBMFX 104.14 10.66 1,147.78 1,110.13 -37.65 -3.28
Totals: 10,816.24 12,829.99 2,013.75 18.62

Account Summary :… Continue Reading

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