The Annual vs. Monthly IRA Contribution Timing Experiment November 2014 Update.
Annual Contribution Roth IRA
| Shares | Price | Total Cost | Market Value | $ Gain/Loss |
|---|---|---|---|---|
| 312.50 | 19.22 | 5,500.00 | 6,006.25 | 506.25 |
Account Summary:
- No account transactions to report.
Monthly Contribution Roth IRA
| Shares | Price | Total Cost | Market Value | $ Gain/Loss |
|---|---|---|---|---|
| 279.96 | 19.22 | 5,090.00 | 5,380.91 | 290.91 |
Account Summary:
- 11/01/2014 – Contributed $409.00
- 11/03/2014 – Purchased mutual fund (VTIVX)
Annual vs. Monthly IRA Account Comparison
| Account | % Monthly Return | Total % Gain/Loss |
|---|---|---|
| Annual | 1.53 | 9.20 |
| Monthly | 1.55 | 5.72 |
Analysis:
- The market rose again in the month of November. I haven’t been following the news, but because of the continuing bull market, we’re starting to see a large separation in performance between the Annual and Monthly Contribution IRAs.
Talk to me, Goose.