 TITLE: What Is Dollar Cost Averaging? CONTENT: How Does Stock Investing Work?\n------------------------------\nThe stock market is constantly in flux: The value of an individual stock or mutual fund can vary throughout the day, week, month and year. Stock prices are based on market demand, and a stock's price will change according to how many investors want to buy or sell that stock at a given time.\nTo use the stock market to build wealth, you'll need to buy an investment (shares in a given company or a mutual fund that invests in several companies) when the price is low and sell it later for a higher price.\nThis may seem easy enough, but it's often difficult to predict whether a stock or mutual fund will increase or decrease in value. Trying to time the market is challenging even for experienced investors, but for those with less experience, emotions can sometimes get in the way of making sound investment decisions. That's where dollar cost averaging can be especially helpful. END