Say I invested $2,500 every single month in Apple stock starting on Jan 1st, 2016, and then cashed out on Jan 1st, 2019. Including dividends, how much would I have total by Jan 1st, 2019? For the sake of this example, assume I just held onto the stock for those three years and made no other transactions. Also, if I cashed out in 2019, would I pay short-term capital gains on all of it, or only for the shares purchased less than a year?