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Annual vs. Monthly IRA Contribution Experiment – December 2015 Update

February 10, 2016 by Long Pham

The Annual vs. Monthly IRA Contribution Timing Experiment December 2015 Update.

Annual Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
634.03 17.78 11,479.89 11,273.07 -206.82

Account Summary:

  • 12/28/2015 – Reinvested $237.05 Dividend
  • 12/28/2015 – Reinvested $11.67 Short-Term Capital Gain Distribution
  • 12/28/2015 – Reinvested $110.54 Long-Term Capital Gain Distribution

Monthly Contribution Roth IRA

Shares Price Total Cost Market Value $ Gain/Loss
619.07 17.78 11,467.12 11,006.98 -460.14

Account Summary:

  • 12/01/2015 – Contributed $458.37
  • 12/01/2015 – Purchased mutual fund (VTIVX)
  • 12/28/2015 – Reinvested $231.45 Dividend
  • 12/28/2015 – Reinvested $11.39 Short-Term Capital Gain Distribution
  • 12/28/2015 – Reinvested $107.93 Long-Term Capital Gain Distribution

Annual vs. Monthly IRA Account Comparison

Account % Monthly Return Total % Gain/Loss
Annual -1.89 -1.80
Monthly -1.89 -4.01

Analysis:

  • This is a late update without any economic/market analysis.
  • The year ended down, but as you can see from the numbers, the Annual Contribution Roth IRA fared better than the Monthly Contribution Roth IRA.
  • Fluctuating prices had a larger effect on the losses experienced in the Monthly Contribution account, more than double than that of the Annual Contribution account.

IRA Contribution Timing Experiment Updates

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Category: Money Tags: IRA Experiment

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