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Hillmp,

<<Now, it's true that my bimonthly salary deductions won't mirror the Dow Ten strategy in the first year. But the second year and each successive year, more of my money will be acting in a true Dow Ten fashion. It's only the current year's contributions that dilute the overall effectiveness. And with each year, assuming that my contributions stay level (which I hope they *don't*!), the dilution effect would get smaller.

After 10 years, 90% of the money would be following a true Dow Ten strategy and 10% would not. Since I'm planning on having this money in the account for at least 20 years (it's my retirement account), I'm thinking the sizable (6%) difference between the average growth rates of the Dow Ten and the S&P 500 strategies might overcome the ever decreasing dilution effect, and thus make the Dow Ten strategy the way to go.>>

As long as the money accumulates to a size where your trades will consume no more than 2% to 2.5% of your stake initially (the ratio will decline as the portfolios grow), you can buy into the Dow strategies at any time. Your biggest problem will be in keeping track of the anniversary dates of each portfolio. You'll have six - all with a different anniversary date - to worry about. That's not really a problem, just a minor hassle. And if the Dow theories hold up, you should do better than the index fund. After awhile (but not for a year or longer), every time money goes into the account, it will coincide with one of your anniversary trading dates and can be incorporated with the changes you make on that date. I see no reason why that approach won't work. The initial hurdle will be the fees, and those will consume less of each portfolio as time passes.

Regards….Pixy

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