 TITLE: What Is Dollar Cost Averaging? CONTENT: How Does Dollar Cost Averaging Help?\n------------------------------------\nDollar cost averaging spreads an investment in a stock or mutual fund over time instead of investing a lump sum all at once. The idea is that by spending a set dollar amount at a regular interval—say, every other week or once a month—your investment will be insulated from market swings and allow you to buy more shares when an investment's value is low and fewer when the value is higher.\nDollar cost averaging also helps remove the emotional aspect of investing. When it comes to your money, it's easy to react impulsively if you think a change will help you make more money or, alternatively, reduce your losses. By creating a set investment that occurs regardless of market conditions, you are effectively removing the emotional control you might have otherwise exerted—which could prove valuable over the long run. END