The Annual vs. Monthly IRA Contribution Timing Experiment February 2015 Update.
Annual Contribution Roth IRA
| Shares | Price | Total Cost | Market Value | $ Gain/Loss |
|---|---|---|---|---|
| 614.12 | 19.29 | 11,120.63 | 11,846.30 | 725.67 |
Account Summary:
- No account transactions to report.
Monthly Contribution Roth IRA
| Shares | Price | Total Cost | Market Value | $ Gain/Loss |
|---|---|---|---|---|
| 356.89 | 19.29 | 6,533.01 | 6,884.41 | 351.40 |
Account Summary:
- 02/01/2015 – Contributed $458.33
- 02/02/2015 – Purchased mutual fund (VTIVX)
Annual vs. Monthly IRA Account Comparison
| Account | % Monthly Return | Total % Gain/Loss |
|---|---|---|
| Annual | 5.01 | 6.53 |
| Monthly | 4.93 | 5.38 |
Analysis:
- Oil prices continued to be at the forefront of the news during the month of February. Fuel prices fell to multi-year lows, while energy sector stock prices remained depressed.
- The Fed advised that unemployment was still a topic of concern and inflation is still under their target rate. They are planning to hold interest rates steady for some time.
- The experimental IRA accounts inched back up this month, largely mirroring short term market volatility.
Talk to me, Goose.