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Michael Whaley

Published March 22, 2025
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Investing can feel overwhelming, especially when markets fluctuate. But there’s a simple, effective strategy that removes emotion from the equation and keeps you on track—Dollar-Cost Averaging (DCA).

  • Automate Your Savings – Setting up a bi-weekly or monthly automatic contribution to your investment account ensures you never miss a deposit. Consistency is key.
  • Buy at Different Market Levels – By investing regularly, sometimes you’ll buy when prices are high, sometimes when they’re low. Over time, this reduces risk and helps you stay diversified without having to time the market.
  • Turn Market Volatility into Opportunity – When markets dip, your dollar stretches further, buying more shares. When markets recover, you already own more units to benefit from the growth. No panic, no second-guessing—just steadfast, disciplined investing.
  • A Simple Example – Imagine you invest $200 every month. Some months, the market is up, and you buy fewer shares; other months, the market is down, and you buy more. Over time, this evens out your cost per unit and smooths the impact of market swings.
  • Stay Focused on the Long-Term – DCA works best when combined with a long-term mindset. By staying consistent, you give yourself the best chance to build wealth over time—without the stress of market timing.

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