Hi Sam22 Re Twinvest You would always be investing whatever you decided to invest, Varying amounts of what you would decide to invest would go into a MM fund If the stock NEVER goes below your starting price you will always be investing less than the $75 (from your example) in stock........except...... Doesn't twinvest reset after awhile? Anyway the cash you are acumulating is set aside for a future price drop. Toofuzzy