A customer joined the Securities Savings Scheme in October 2008. It is assumed that Tracker Fund (02800) shares were bought at the closing price at the end of each month with monthly contribution of HK$2,000.

Date	Net Investment Amount* (HK$)	Purchase Price (HK$)	Number of Shares Bought	Number of Shares Accumulated	Net Dividend Received**(HK$)
10/2008	1,996.00	14.00	139	139	-
11/2008	1,996.00	14.00	139	278	105.10
12/2008	1,991.80	14.60	133	411	-
01/2009	1,993.00	13.40	145	556	-
02/2009	1,997.00	12.98	150	706	-
03/2009	1,995.80	13.80	141	847	-
04/2009	1,997.50	15.58	125	972	-
05/2009	1,986.20	18.44	105	1,077	152.32
Total	15,953.30	-	-	1,077	257.42

Example as of Oct 2008:

HK$14 x 139 shares + HK$50(Transaction fee for buying shares) = HK$1,996

HK$2,000 - HK$1,996 = HK$4 (Refund of buying the particular shares)

Cost per share = HK$15,953.30 / 1,077 shares = HK$14.81

Investment returns up to May 2009 = asset appreciation *** + net dividend received

= (HK$18.44 - HK$14.81) x 1,077 shares + HK$257.42 = HK$4,166.93

*	Net investment amount = monthly contribution amount − refund
**	Net dividend received = amount of dividend paid by the listed company − charges on dividend collection
***	Asset appreciation = (closing price of the day − cost per share) x number of shares accumulated