Given that inflation inevitably eats up our money from year to year, it is a good idea to buy a small number of shares of large companies or currency on a regular basis. Taking into account the constant price growth due to inflation, as well as fluctuations in prices themselves, you can accumulate a considerable amount of positions over several years, which can give a very significant monetary gain due to the large volume of the position you have gained. Let’s look at the example of buying a dollar for the period from 31.12.2020 to 31.12.2021 (see Table 1) on a monthly basis.
Table 1. Purchase with accumulation.
| Data | Price, rub. | Quantity, $ | Amount, rub. |
| 14.01.2021 | 73.5 | 100 | 7350 |
| 15.02.2021 | 73.35 | 100 | 7335 |
| 22.03.2021 | 74.7 | 100 | 7470 |
| 23.04.2021 | 75 | 100 | 7500 |
| 20.05.2021 | 73.75 | 100 | 7375 |
| 16.06.2021 | 72.35 | 100 | 7235 |
| 22.07.2021 | 73.8 | 100 | 7380 |
| 18.08.2021 | 73.7 | 100 | 7370 |
| 14.09.2021 | 72.8 | 100 | 7280 |
| 21.10.2021 | 71 | 100 | 7100 |
| 19.11.2021 | 73.2 | 100 | 7320 |
| 14.12.2021 | 73.5 | 100 | 7350 |
| Total | 1200 | 88065 | |
| Average price, rub. | 73.3875 | ||
| Prices in 2022 | |||
| Data | Price, rub. | Quantity, $ | Profit, rub. |
| 19.01.2022 | 76.5 | 1200 | 3735 |
| 23.02.2022 | 80 | 1200 | 7935 |
| 09.03.2022 | 120 | 1200 | 55935 |
| Total, % | 63.52 |
Suppose during 2021 you regularly bought dollars 1 time a month according to the graph in Table 1, expecting that the exchange rate will rise and you will sell them at a profit.
Already in 2022, you begin to see different options for the amount of profit shown at the bottom in Table 1. That is, we could potentially earn 63.5%. Whether to apply such a strategy or not is up to you. We consider such a strategy appropriate in the years of strong price collapses in the years of crises.