The Monthly vs. Yearly IRA contribution timing experiment has begun.
For every update, I will report each account’s individual performance as well as a side by side comparison. To make it easier to read, the numbers in the tables are rounded and formatted to only two decimal places.
Yearly Contribution Roth IRA
| Fund | Shares | Price | Cost Basis | Market Value | Gain/Loss | Gain/Loss % |
|---|---|---|---|---|---|---|
| VTSMX | 102.33 | 31.76 | 3,250.00 | 3,250.00 | 0.00 | 0.00 |
| VGTSX | 93.07 | 13.43 | 1,250.00 | 1,250.00 | 0.00 | 0.00 |
| VBMFX | 45.54 | 10.98 | 500.00 | 500.00 | 0.00 | 0.00 |
| Totals: | 5,000.00 | 5,000.00 | 0.00 | 0.00 |
Account Summary :
- 01/01/2012 – Contributed $5,000.00
- 01/03/21012 – Purchased mutual funds
Monthly Contribution Roth IRA
| Fund | Shares | Price | Cost Basis | Market Value | Gain/Loss | Gain/Loss % |
|---|---|---|---|---|---|---|
| VTSMX | 8.53 | 31.76 | 270.83 | 270.83 | 0.00 | 0.00 |
| VGTSX | 7.76 | 13.43 | 104.17 | 104.17 | 0.00 | 0.00 |
| VBMFX | 3.79 | 10.98 | 41.66 | 41.66 | 0.00 | 0.00 |
| Totals: | 416.66 | 416.66 | 0.00 | 0.00 |
Account Summary :
- 01/01/2012 – Contributed $416.66
- 01/03/2012 – Purchased mutual funds
Monthly vs. Yearly IRA Account Comparison
| Account | Gain/Loss % | % Change From Prior Month |
|---|---|---|
| Yearly | 0.00 | 0.00 |
| Monthly | 0.00 | 0.00 |
Analysis :
- These tables are reporting the initial contribution and purchase of the mutual funds in each account to establish a baseline. No differences will be seen until February’s update, when another contribution and purchase will be made in the Monthly IRA account.
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