Year
1988 1989 2013
Annual Capital Injected
$6,000 $6,300 $20,318
Years Invested till 2013 ended
26 25 1
Capital Value
$20,269 $17,339 $18,714
XIRR
3.19%

Today my mind Experiment is Simple. I do a capital injection annually into STI Index starting from year 1988. Injected amount grows at 5% annually.In Year 1988, i injected 6K which grew to $20,269 after 26 years. In start of year 2013, i injected $20,318 which register a loss to $18,714 within the year. When i total up all my investments, the Compound return is 3.19% over 26 years.

This implied for $100,000 investment at 3.19% compounded will arrive a figure of $226,244. This return excludes Dividend. If i include 3.5% Annual dividends, a potential figure of $538,538.
This exercise tell myself that to invest in STI Index, Dollar Cost Averaging investment is critical imo. The …