Annual vs. Monthly IRA Contribution Experiment – January 2014 Update

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

Annual Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
312.50 17.21 5,500.00 5,378.13 -121.87

Account Summary:

  • No account transactions to report.

Monthly Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
56.82 17.21 1,000.00 977.84 -22.16

Account Summary:

  • No
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Annual vs. Monthly IRA Contribution Experiment

The Annual vs. Monthly IRA Contribution Timing Experiment Version 2. This update covers the initial contribution and purchases in the corresponding Roth IRA accounts in the experiment.

Annual Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
312.50 17.60 5,500.00 5,500.00 0.00

Account Summary:

  • 01/01/2014 – Contributed $5,500.00
  • 01/02/2014 – Purchased mutual fund
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IRA Contribution Timing Experiment Rules

The following are the rules for Version 2 of the Annual vs. Monthly IRA Contribution Timing Experiment. These rules are meant to be the guidelines upon which the experiment is run.

The experiment begins on January 1, 2014 and will continue as part of a lasting effort to discover how investment timing affects performance over Continue Reading

How To Save 40% On Netflix

These days, everything is subscription based, as to try to keep customers paying for a product or service as long as possible. It’s a great business model and something that I would try to implement myself if I was trying to sell something. However, for the consumer, subscriptions can be a terrible, terrible thing.

Think Continue Reading

My Romantic Valentines Day Gift

My wife doesn’t know it, but I gave her the most romantic Valentines Day gift.

I put time aside to contribute the annual maximum into each of our non-deductible Traditional IRA’s and converted them into our Roth IRA’s using the backdoor method. I re-balanced our asset allocation across all of our retirement investment accounts, re-calculated Continue Reading