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Monthly vs. Yearly IRA Contribution Experiment

February 8, 2012 by Long Pham

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.

IRA Contribution Timing Experiment Updates

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Category: Money Tags: Budget For Wealth, IRA Experiment

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