{"id":4565,"date":"2022-04-18T08:00:04","date_gmt":"2022-04-18T06:00:04","guid":{"rendered":"http:\/\/contattoblogs.timslatter.co.za\/?p=4565"},"modified":"2022-04-18T08:00:04","modified_gmt":"2022-04-18T06:00:04","slug":"dollar-cost-averaging","status":"publish","type":"post","link":"https:\/\/contattolive.co.za\/north\/dollar-cost-averaging\/","title":{"rendered":"Dollar-cost-averaging"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">People often joke about the weather in Cape Town, saying that you can experience all four seasons in one day. And, if you speak to a local, you\u2019ll know that regardless of how warm it is, they\u2019ll always pack a sweater in case the weather turns. Still, as a top tourist destination, the weather doesn\u2019t deter intrepid travellers; they keep returning. Investing in the markets is exactly the same; despite the ups and downs, sometimes, in a matter of hours, investors keep returning.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">For the unseasoned investor, the temptation to dump windfalls into an investment account or market allocation could cost them in the long run. This is because the fluctuations in market prices mean that you never really know if you\u2019re buying at a high or a low in the market. The highs and lows only make sense months or years down the line. Ideally, you want to be able to buy when the market is down and when the market is up so that, on average, your money is growing with the overall curve.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">This strategy is called dollar-cost-averaging. It\u2019s the equivalent of keeping a warm top in the car so that you can enjoy the journey regardless of the weather.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">It\u2019s a strategy, however, that requires discipline and planning. Dollar-cost-averaging can save an investor from panic buying when they think the market will keep climbing or selling out when they think it\u2019s bottomed out.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">If you buy high and sell low, you will lose all your money. The challenge is that, whilst we know that buying low and selling high is a sure way to make incredible gains, we never know what the market will do tomorrow.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Dollar-cost-averaging means that the investor buys into the markets on a smaller but more regular basis than just purchasing a chunk of stock when they get a bonus or large payout. For example, instead of investing ten grand in one go, an investor can choose to invest two grand a month for the next five months.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Or, instead of only investing when you have a specific amount of money, you can choose to invest a smaller amount, more regularly. Not only will you benefit from the growth of dollar-cost-averaging, but you\u2019ll also develop a healthy habit of investing part of your regular income rather than relying on an annual or quarterly lump sum that can be easy to spend elsewhere.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">This is not the only way to leverage better returns in the markets, but for an investor who is not familiar with investing, it\u2019s a wise approach to early investment strategies.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>People often joke about the weather in Cape Town, saying that you can experience all four seasons in one day. And, if you speak to a local, you\u2019ll know that regardless of how warm it is, they\u2019ll always pack a sweater in case the weather turns. Still, as a top tourist destination, the weather doesn\u2019t deter intrepid travellers; they keep returning. Investing in the markets is exactly the same; despite the ups and downs, sometimes, in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4566,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,27],"tags":[],"class_list":["post-4565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-market"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dollar-cost-averaging - Contatto North<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/contattolive.co.za\/north\/dollar-cost-averaging\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dollar-cost-averaging - Contatto North\" \/>\n<meta property=\"og:description\" content=\"People often joke about the weather in Cape Town, saying that you can experience all four seasons in one day. 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Investing in the markets is exactly the same; despite the ups and downs, sometimes, in [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/contattolive.co.za\/north\/dollar-cost-averaging\/\" \/>\n<meta property=\"og:site_name\" content=\"Contatto North\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-18T06:00:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/contattolive.co.za\/north\/wp-content\/uploads\/2022\/04\/Dollar-cost-averaging.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"385\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"anthonyb@timslatter.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"anthonyb@timslatter.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/contattolive.co.za\\\/north\\\/dollar-cost-averaging\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/contattolive.co.za\\\/north\\\/dollar-cost-averaging\\\/\"},\"author\":{\"name\":\"anthonyb@timslatter.com\",\"@id\":\"https:\\\/\\\/contattolive.co.za\\\/north\\\/#\\\/schema\\\/person\\\/6b55c4b0a6054f79a0f61aa82405b972\"},\"headline\":\"Dollar-cost-averaging\",\"datePublished\":\"2022-04-18T06:00:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/contattolive.co.za\\\/north\\\/dollar-cost-averaging\\\/\"},\"wordCount\":441,\"image\":{\"@id\":\"https:\\\/\\\/contattolive.co.za\\\/north\\\/dollar-cost-averaging\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/contattolive.co.za\\\/north\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/Dollar-cost-averaging.jpg\",\"articleSection\":[\"Blog\",\"MARKET\"],\"inLanguage\":\"en-ZA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/contattolive.co.za\\\/north\\\/dollar-cost-averaging\\\/\",\"url\":\"https:\\\/\\\/contattolive.co.za\\\/north\\\/dollar-cost-averaging\\\/\",\"name\":\"Dollar-cost-averaging - 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