It is crucial that you know your TRUE voltages on the 3 main voltage rails, present on all ATX PSU's. Many people still rely on means of software, such as MBM, Speedfan, and the BIOS, but these are all very unreliable. I have been able to prove this, and what it brought to my attention, that those who trust software, are potentially putting their software in danger, particularly those who have adjustable rails in their PSU.
How to guides:
Exteme Overclocking PSU Testing Guide
Driver Heaven PSU Testing Guide
How to test additional voltages on the DFI Lanparty NF4 mainboards -- Thanks Fresh Daemon
You want the three main voltage rails to be within 5% of the regulation range.
http://www.formfactors.org/developer/specs/ATX12V_PSDG_2_2_public_br2.pdf
I decided to pick up a $20 Digital MultiMeter from Sears and test my OCZ 520w PowerStream.
My Rig specs:
OCZ Powerstream 520w Powersupply
(5) 80mm Panaflo L1A (21dB) Case Fans
AMD A64 3200+ Winchester @ 2.6GHz 1.5v
Thermalright XP-90 HSF w/ 92mm Stealth & AS5
DFI Lanparty NF4 Ultra-D 623_3 bios
2 GB (2x1GB) GigaRAM DDR466
BFG 6800GT 256 MB PCI-E (400/1100)
Western Digital Raptor 74 GB SATA
Seagate 7200.8 250GB SATA
Black Lite-On 16x DVD
Black Lite-On 16x DL DVD ± R/RW
Rail
+3.3
+5
+12
BIOS Reports
3.30
4.97
11.96
DMMeter Reading while in BIOS
3.32
5.08
12.09
DMMeter while running Prime95 torture test
3.32
5.08
12.09
Sandra 05 SP2 (pure software reading)
3.26
4.95
11.54
As you can see the OCZ 520w PowerStream is solid as a rock, even under 100% load there are no rail fluctuations! Now you know that it is not a good idea to rely on software readings. By testing your power supply you'll know whether it is handling your system like it should or if you need to look for a better one.