I saw some misguided or error information presented in certain website so lile to clarify.1. The purpose is timing. DCA jury is still out there.2. As the table indicated, includes DIVIDENDS3. Since XIRR is used, the performance measured are compounded.The dividends aren't.4. Some say this not long enough even for 10 YEARS. That's not the article intention. The purpose is to make sure people understanding that timing matters.Secondly, how confidence are we that 20 to 30 years from now it will still be 7% ? What IF YOU ARE WRONG. Will you be alright ?