Impact of investing over a period of time

We talked about investing over a period of time in my last post.

Let's see how it works:

Scenario: Invest into FBGKX as part of 401k with $$230.77 at each paycheck (26 paycheck in the year) in year 2014. Purchased this mutual fund at the beginning of the trade in the opening price.

Investment Table

Date	Open	High	Low	Close	Amt	# Acquired
1/13/2014	62.69	64.01	62.69	63.75	230.77	3.68
1/27/2014	61.66	62.7	61.44	62.45	230.77	3.74
2/10/2014	63.8	65.23	63.8	65.23	230.77	3.62
2/24/2014	66.29	66.89	66.29	66.66	230.77	3.48
3/10/2014	66.97	66.97	65.42	65.42	230.77	3.45
3/24/2014	64.91	64.95	63.84	63.95	230.77	3.56
4/7/2014	62.69	64.36	61.32	61.32	230.77	3.68
4/21/2014	63.49	64.24	62.69	62.69	230.77	3.63
5/5/2014	63.87	63.87	62.69	62.97	230.77	3.61
5/19/2014	63.95	64.92	63.48	64.92	230.77	3.61
6/2/2014	65.79	66.81	65.71	66.81	230.77	3.51
6/16/2014	66.6	67.64	66.6	67.64	230.77	3.47
6/30/2014	68	69.13	68	69.13	230.77	3.39
7/14/2014	68.46	68.46	66.94	68.06	230.77	3.37
7/28/2014	68.24	68.34	66.63	66.63	230.77	3.38
8/11/2014	67.27	68.25	66.99	68.25	230.77	3.43
8/25/2014	70.2	70.37	70.1	70.32	230.77	3.29
9/8/2014	66.89	66.89	66.29	66.45	230.77	3.45
9/22/2014	66.08	66.68	65.35	66.08	230.77	3.49
10/6/2014	65.23	65.39	62.71	62.71	230.77	3.54
10/20/2014	63.31	65.54	63.31	65.54	230.77	3.65
11/3/2014	67.51	67.57	67.11	67.52	230.77	3.42
11/17/2014	67.91	68.67	67.91	68.67	230.77	3.40
12/1/2014	68.43	69.5	68.43	69.5	230.77	3.37
12/15/2014	66.51	68.74	65.56	68.74	230.77	3.47
12/29/2014	69.32	69.32	68.48	68.48	230.77	3.33
Total					6000.02	91.01

At the end of the year, if we take closing price of 68.48, the valuation of portfolio would be at $6232.38, and that is not including dividend earned.

Dividend Earned

Date	Amount/Unit	Addition to 401k
9/5/2014	3.528	211.3186
12/12/2014	0.628	52.88484
Total		264.20344

Dividend earned would have been $264.20

Summary

Net Addition to value would be $232.38+$264.20=$496.58.  I have not factored reinvestment of dividend to keep this example simpler. Typically, all the dividend does get reinvested.

Source of rates: Yahoo