Mutual Fund Investments 101:                                Exceptional Performances

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Here are the results of a fixed income fund, COSIX, that a conservative IRA investor might purchase. Model is based on making only 2 investments, $2,000 in 2012 and $2,000 in 2013.  In 2014, investor was 70½ The model includes the fund's distribution received, reinvested and the dollar-cost averaging every month before and after the age of 70½. As of 6/15/2018, the investments growth is $5.90 x 805.0952 = $4750.06 18.75% 

Income Distribution - Reinvestment - Dollar-Cost-Averaging

1) $2,000 Initial Purchase 

  January 1, 2012     
  Net Asset Value: $6.05
  Maximum Sales Fee: 4.75% ($95.00)
  Shares Purchased: 314.876
  Total Shares Owned: 314.876
  Investment Value: $1,905.00 (95.25%)

  12/31/2012 
  Net Asset Value: $6.42
  Total Dividend Distribution $85.15 
  Shares Reinvested: 14.1780
  Total Shares Owned: 329.0540
  Investment Return: $2,021.59 (6.12%)2)

2) $2,000 Additional Purchase  

  January 1, 2013 
  Net Asset Value: $6.43
  Maximum Sales Fee: 4.75% ($95.00)
  Shares Purchased: 296.2674
  Total Shares Owned: 625.3214
  Investment Value: $1,905.00 (95.25%)

  12/31/2013
  Net Asset Value: $6.00
  Total Dividend Distribution $271.49
  Shares Reinvested: 44.7240
  Total Shares Owned: 670.0454
  Investment Return: $4,017.60 (0.44%)

       (Model shows investment growth & increase of shares after reaching age 70½  January 1, 2014 thru December 29, 2017)

  12/31/2014 
  Net Asset Value: $5.88
  Total Dividend Distribution $231.70        
  Total Shares Reinvested: 38.7974
  Total Shares Owned: 708.8428 + 38.7974
  Investment Return: $4,168
 (4.20%)

  12/30/2016 
  Net Asset Value: $5.91 
  Total Dividend Distribution: $154.65
  Total Shares Reinvested: 25.9498
  Total Shares Owned: 763.9929 + 25.9498
  Investment Return: $4,515.20 (12.88%) 

   12/31/2015 
   Net Asset Value: $5.66
   Total Dividend Distribution $169.89
   Total Shares Reinvested: 29.2003
   Total Shares Owned: 738.0431 + 29.2003
   Investment Return: $4,177.32 (4.43%)

        12/29/2017 
        Net Asset Value: $6.02 
        Total Dividend Distribution: $183.28
        Total Shares Reinvested: 30.3711
        Total Shares Owned: 794.364 + 30.3711
        Investment Return: $4,782.07 (19.55%)
. . . 

the distribution, reinvesting & dollar-cost-averaging continues to grow into 2018 . . .

  1/25/2018 Income Distribution: $.016         
  Net Asset Value: $6.02
  Total Distribution: $12.71
  Total Shares Reinvested: 2.1113
  Total Shares Owned: 796.4753 

  3/23/2018 Income Distribution: $.016         
  Net Asset Value: $5.94
  Total Distribution: $12.78
  Total Shares Reinvested: 2.1515
  Total Shares Owned: 800.7572

  5/24/2018 Income Distribution: $.016         
  Net Asset Value: $5.90
  Total Distribution: $12.85
  Total Shares Reinvested: 2.1774
  Total Shares Owned: 805.0952

  2/23/2018 Income Distribution: $016 
  Net Asset Value: $5.98 
  Total Distribution: $12.74 
  Total Shares Reinvested: 2.1304
  Total Shares Owned: 798.6057 

       4/25/2018 Income Distribution: $.016         
       Net Asset Value: $5.93
       Total Distribution: $12.81
       Total Shares Reinvested: 2.1606
       Total Shares Owned: 802.9178

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