Suppose that you found three stocks that are ideal examples of prices cycling up and down similar to the dollar cost averaging example above. You are convinced that these three stocks average price at the end of the year will be the same as it was at the beginning of the year. The three variations, however, are signifi cantly different. You wish to invest in each of these stocks, putting a fi xed total amount of money in each month for a year. Would you be better off splitting your money equally among the three stocks or putting all your money into one of the three in terms of this idealized return?