Ringgit Cost Averaging

Here's an example of Mr. Smarter and Mr. Smart
Year	Unit Price	Mr. Smarter		Mr. Smart
Year	Unit Price	Regular Yearly Investment	Units Purchased	Yearly Investment	Units Purchased
1	0.85	2,000	2,353	5,000	5,882
2	0.70	2,000	2,857	3,000	4,286
3	0.60	2,000	3,333
4	0.54	2,000	3,704
5	0.50	2,000	4,000
6	0.58	2,000	3,448	2,000	3,448
7	0.62	2,000	3,226
8	0.78	2,000	2,564	10,000	12,821
9	0.82	2,000	2,439
10	1.10	2,000	1,818
TOTAL:		20,000	29,742	20,000	26,437
AVERAGE COST PER UNIT:		0.67		0.76
At the end of 10 years, VALUE OF UNITS:-
Mr. Smarter	29,742 x RM1.10 = RM32,716
Mr. Smart	26,437 x RM1.10 = RM29,081
RESULT: Average Cost Per Unit of Mr. Smarter (0.67) is lower than the Average Cost Per Unit of Mr. Smart (0.76); or Value of Units of Mr. Smarter (RM32,716) is higher than Value of Units of Mr. Smart (RM29,081)

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