The Monthly vs. Yearly IRA contribution timing experiment July 2012 update.
Yearly Contribution Roth IRA
| Fund | Shares | Price | Cost Basis | Market Value | Gain/Loss | Gain/Loss % |
|---|---|---|---|---|---|---|
| VTSMX | 103.23 | 34.25 | 3,280.56 | 3,535.61 | 255.05 | 7.77 |
| VGTSX | 93.07 | 13.59 | 1,250.00 | 1,264.89 | 14.89 | 1.19 |
| VBMFX | 46.30 | 11.23 | 508.43 | 519.94 | 11.51 | 2.26 |
| Totals: | 5,038.99 | 5,320.44 | 281.45 | 5.59 |
Account Summary :
- 07/31/2012 – Reinvested $1.10 dividend for Vanguard Total Bond Market Index Fund
Monthly Contribution Roth IRA
| Fund | Shares | Price | Cost Basis | Market Value | Gain/Loss | Gain/Loss % |
|---|---|---|---|---|---|---|
| VTSMX | 56.69 | 34.25 | 1,906.91 | 1,941.80 | 34.89 | 1.83 |
| VGTSX | 52.44 | 13.59 | 729.14 | 712.63 | -16.51 | -2.26 |
| VBMFX | 26.64 | 11.23 | 294.39 | 299.18 | 4.79 | 1.63 |
| Totals: | 2,930.44 | 2,953.61 | 23.17 | 0.79 |
Account Summary :
- 07/01/2012 – Contributed $416.66
- 07/02/2012 – Purchased mutual funds
- 07/31/2012 – Reinvested $0.63 dividend for Vanguard Total Bond Market Index Fund
Monthly vs. Yearly IRA Account Comparison
| Account | Gain/Loss % | % Change From Prior Month |
|---|---|---|
| Yearly | 5.59 | +0.93 |
| Monthly | 0.79 | +0.87 |
Analysis :
- July was a roller coaster month, marking two strong dips and two strong rallies. There really isn’t much to note for the month. It’s obvious that there was a lot of emotional trading that occurred based on news reports.
- The Yearly IRA is outperforming the Monthly with a respectable 5.59% gain to date.
Talk to me, Goose.