The Annual vs. Monthly IRA Contribution Timing Experiment April 2015 Update.
Annual Contribution Roth IRA
| Shares | Price | Total Cost | Market Value | $ Gain/Loss |
|---|---|---|---|---|
| 614.12 | 19.41 | 11,120.63 | 11,919.99 | 799.36 |
Account Summary:
- No account transactions to report.
Monthly Contribution Roth IRA
| Shares | Price | Total Cost | Market Value | $ Gain/Loss |
|---|---|---|---|---|
| 404.60 | 19.41 | 7,449.67 | 7,853.25 | 403.58 |
Account Summary:
- 04/01/2015 – Contributed $458.33
- 04/01/2015 – Purchased mutual fund (VTIVX)
Annual vs. Monthly IRA Account Comparison
| Account | % Monthly Return | Total % Gain/Loss |
|---|---|---|
| Annual | 1.78 | 7.19 |
| Monthly | 1.78 | 5.42 |
Analysis:
- The U.S. dollar has been increasing while commodities (like oil) have been falling.
- The respective experimental portfolios picked up in the month of April, with the annual contribution IRA still leading in returns.
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