Explain how dollar cost averaging affects your returns when drawing down your portfolio, for example, by withdrawing a fixed dollar amount from a stock market indexed fund in retirement. Give an example. Explain how dollar cost averaging affects your returns when accumulating assets, as in saving a regular dollar amount and investing in a stock market indexed fund before retirement. Give an example. If the rate of return on U.S. small cap stocks averages 12.5%, and inflation averages 2.5%, how long will it take for you to double the amount of an investment? (Show all work.)