DOLLAR COST AVERAGING

Dollar-cost averaging is a simple investment approach where you put in a fixed amount of money on a regular schedule, whether the market is up, down, or somewhere in between.

Here’s how it works:

• You choose an amount you can commit to consistently.

• You invest that same amount each week, biweekly, or monthly.

• When prices are low, your money buys more units.

• When prices are high, it buys fewer.

Over time, this smooths out the price you pay and helps reduce the risk of investing everything at once. It also removes the pressure of trying to “time” the market. The strategy works best when you stick with it and let the long-term growth of the market support you.