Hi Step, Re: Twinvest, DCA and Value averaging........... Here's his comparitive spreadsheet: https://docs.google.com/spreadsheet/ccc?key=0AqOc0k5dqWZycmFwUmRJcHpOSWN3X1lvbUk5RFBKaFE#gid=0 His results and my testing concur that Twinvest is quite powerful. It's DCA with a brain. Best regards,