Frequently Asked Questions

Advice

Dollar cost averaging is really important
Dollar cost averaging is a way to help reduce the risk of timing the market. It entails regularly buying a fixed dollar amount of an investment. For example, if you want to invest $100 in one fund, you could invest it all now. But you would be taking a risk that the investment, or the market as a whole, might drop in value over the coming months. With dollar cost averaging, you might invest the hundred dollars in smaller amounts over a period of time. 
Patience and discipline
Remember, investing is about patience and discipline. You might not get a large immediate return, but you are aiming for a return in the long-term. 
Invest regularly
Invest a little bit, on a regular basis, whether the market happens to be up or down. Maybe start by investing $5, $10, or $20 at the beginning of every month. You'll be pleasantly surprised by how it adds up over time, on average. 
Diversify your investments
Put some of your extra cash into investments that are diversified across different industries, markets and countries, as well as across stocks and bonds. Don't put all your investment eggs in one basket! This may help keep your portfolio strong. Remember, diversification does not guarantee against a loss, especially in a down market, but it should reduce volatility. 
Be involved in your investments!
Continue to check up on your investments!  Don't just put your money in and leave it there.  We suggest adding to it through regular deposits.   Also, continue to buy other investments to diversify your portfolio.  
How do I know what to invest in?
That's why we're here! We point you towards the appropriate investments based on your financial situation. Then the choice is yours. You choose the investments you want based on your interest, goals, and beliefs. 
How many investments should I purchase?
The number of investments you purchase is up to you. However, we encourage you to make multiple investments to help diversify and balance your overall investment portfolio. 
Invest in what you believe
Put a small part of your extra cash into investments you believe in, care about, or both. If you care about your investments, you have faith in them regardless of whether the market is up or down. This is the attitude of a good investor with strong investing habits. 

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