DIA example portfolio

	A	B	C	D	E	F	G	H	I	J	K	L	M	O	P	Q	R
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2		Example portfolio:
3		- Assuming $10,000 worth of DOW Jones ETF is purchased every 6 months, and dividends are approximated at 2.5% yield p.a.
4		A bi-annual investment plan would yield a cumulative annual growth rate, or returns of approx 7.61%, as opposed to 11.55% (excl. dividends) when the stock is bought ONCE 10 years ago and held till now.
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7	Years	Date	Adj Close	10000							(How much is the $10k invested at the point of time worth now)
8				Shares purchased	Sum	Principal invested	Shares value	Dividends (approx 2.5%)	Total value	Net Gain	Marginal principal worth	Net Gain %	Annualized CAGR	Shares value
9	0	1/1/2009	62.56157	159.84	159.84	10,000.00	10,000.00	250	10,250.00	250	39841.9942	103%		6256.157
10	0.5	1/6/2009	67.04458	149.15	309	20,000.00	20,716.58	517.91	21,234.49	1,234.49	37177.91277	106%	0.127259
11	1	1/1/2010	81.08549	123.33	432.32	30,000.00	35,055.18	876.38	35,931.55	5,931.55	30740.11888	120%	0.197718
12	1.5	1/6/2010	79.52845	125.74	558.06	40,000.00	44,382.03	1,109.55	45,491.58	5,491.58	31341.96014	114%	0.089551
13	2	1/1/2011	98.14079	101.89	659.96	50,000.00	64,768.92	1,619.22	66,388.14	16,388.14	25397.97812	133%	0.152286
14	2.5	1/6/2011	103.4757	96.64	756.6	60,000.00	78,289.73	1,957.24	80,246.97	20,246.97	24088.53704	134%	0.123339
15	3	1/1/2012	106.9743	93.48	850.08	70,000.00	90,936.81	2,273.42	93,210.23	23,210.23	23300.70756	133%	0.100158
16	3.5	1/6/2012	110.132	90.8	940.88	80,000.00	103,621.09	2,590.53	106,211.62	26,211.62	22632.63556	133%	0.084342
17	4	1/1/2013	120.4817	83	1,023.88	90,000.00	123,358.96	3,083.97	126,442.93	36,442.93	20688.42642	140%	0.088712		If 100 shares ONLY were bought and held, notice the CAGR is significantly different.
18	4.5	1/6/2013	130.5418	76.6	1,100.48	100,000.00	143,659.26	3,591.48	147,250.74	47,250.74	19094.09572	147%	0.089798
19	5	1/1/2014	139.592	71.64	1,172.12	110,000.00	163,618.84	4,090.47	167,709.31	57,709.31	17856.16751	152%	0.08801
20	5.5	1/6/2014	150.8055	66.31	1,238.43	120,000.00	186,762.46	4,669.06	191,431.53	71,431.53	16528.42619	160%	0.088626
21	6	1/1/2015	155.9791	64.11	1,302.54	130,000.00	203,169.62	5,079.24	208,248.86	78,248.86	15980.20241	160%	0.081699
22	6.5	1/6/2015	161.2777	62	1,364.55	140,000.00	220,071.32	5,501.78	225,573.10	85,573.10	15455.18769	161%	0.076145
23	7	1/1/2016	153.0198	65.35	1,429.90	150,000.00	218,803.00	5,470.08	224,273.08	74,273.08	16289.24602	150%	0.059144
24	7.5	1/6/2016	168.4212	59.37	1,489.27	160,000.00	250,825.41	6,270.64	257,096.05	97,096.05	14799.66707	161%	0.065279
25	8	1/1/2017	189.3059	52.82	1,542.10	170,000.00	291,928.55	7,298.21	299,226.76	129,226.76	13166.92716	176%	0.073233
26	8.5	1/6/2017	205.4445	48.67	1,590.77	180,000.00	326,815.84	8,170.40	334,986.23	154,986.23	12132.60652	186%	0.075811
27	9	1/1/2018	255.1538	39.19	1,629.97	190,000.00	415,892.14	10,397.30	426,289.45	236,289.45	9768.920271	224%	0.093943
28	9.5	1/6/2018	238.8656	41.86	1,671.83	200,000.00	399,342.81	9,983.57	409,326.38	209,326.38	10435.064	205%	0.078304		Net Gain	Profit times	Annualized CAGR
29	10	1/1/2019	249.2578	40.12	1,711.95	210,000.00	426,716.78	10,667.92	437,384.70	227,384.70	10000	208%	0.076129	24925.78	18669.62	2.98419942	0.115534
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31		Data produced by Bryan Teo, original excel with formulas used are available upon request.
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33		The material may not be reproduced or distributed, in whole or in part, for profit or business purposes without the prior written permission of the author. However, reproduction and distribution, in whole or in part, by non-profit, research or educational institutions for their own use is permitted if proper credit is given, with full citation, and copyright is acknowledged.
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