Dollar-Based Investing Coalinga CA

Find out the answers to commonly asked investing questions.

Barbara Steinmetz
Steinmetz Financial Planning
(650) 401-3800
1840 Gateway Drive, Suite 200
San Mateo, CA
Expertises
Helping Clients Identify & Achieve Goals, Tax Planning, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, EA, MS

Janet Wan
Sierra Pacific Financial Advisors
(510) 438-6878
19925 Stevens Creeks Blvd.
Cupertino, CA
Expertises
Ongoing Investment Management, Planning Concerns for Corporate Executives, Retirement Planning & Distribution Rules, High Net Worth Client Needs, Women's Financial Planning Issues, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

Mark Wilson
The Tarbox Group, Inc.
(949) 721-2330
500 Newport Center Drive, Suite 500
Newport Beach, CA
Expertises
Retirement Plan Investment Advice, Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, APA, CFP®

David DeWolf
Quantum Wealth Management
(310) 568-1204
600 Corporate Pointe, Suite 1120
Culver City, CA
Expertises
Planning Issues for Business Owners, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Advising Entrepreneurs, Ongoing Investment Management, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA, MBA

Eileen Freiburger
ESF Financial Planning Group, Inc.
(310) 706-4123
1500 Rosecrans Ave., Suite 500
Manhattan Beach, CA
Expertises
Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Retirement Plan Investment Advice, Advising Employee Benefit Plan Participants, Women's Financial Planning Issues, Planning Issues for Unmarried & Same-Sex Couples
Certifications
NAPFA Registered Financial Advisor, CFP®

Karin McKerahan
McKerahan Financial Services
(909) 754-0228
43537 Ridge Park Drive
Temecula, CA
Expertises
Helping Clients Identify & Achieve Goals, Middle Income Client Needs, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, MBA

Stephan Goyette
Goyette Financial Planning
(805) 494-8181
25 W Rolling Oaks Drive, Suite 111
Thousand Oaks, CA
Expertises
Ongoing Investment Management, Middle Income Client Needs, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®

A.J. Frank
A.J. Frank, CFP
(619) 497-0244
3935 Harney Street, Suite 202
San Diego, CA
Expertises
Cash Flow/Budgets/Credit Issues, Middle Income Client Needs, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®

Glenda Moehlenpah
Financial Bridges
(858) 547-8100
10650 Treena Street, Suite 101
San Diego, CA
Expertises
Newlyweds & Novice Investors, Cash Flow/Budgets/Credit Issues, Investment Advice without Ongoing Management, Retirement Planning & Distribution Rules, Tax Planning, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA

Dori Ben-David
Ben-David Financial Planning
(650) 274-3739
1100 Alma Street, Suite 209
Menlo Park, CA
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, College/Education Planning, Newlyweds & Novice Investors, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®

Dollar-Based Investing

Provided by:

What is dollar-based investing?

Traditionally, you invest by buying a whole number of shares, and the cost is the number you buy multiplied by the price: ABCD is selling for $20.25 per share. You want to buy ten shares. 10 X $20.25 = $202.50.

With dollar-based investing, you buy stocks or other investments in a dollar amount you choose, instead of in multiples of the stock price. Let's say you decide to invest $200 a month; your investment doesn't normally buy an exact whole number of shares. With dollar-based investing, you can purchase the shares of your choice in fractional amounts. It's a great idea for the average investor who wants to invest consistent amounts for the long term.

How much risk is too much?

Whenever you feel like you're doing more gambling than investing, the chances are you're lopsided on the risk side. It's a subjective call, but if your portfolio is too exposed to risk, you could be in danger of taking some hard hits. When it comes to risk, always weigh the consequences and keep that part of your portfolio in sensible proportion.

In the long run, isn't diversification overrated?

Short term or long term - stock market sectors go through highs and lows based on any number of variables. The idea is to hold securities that allow you to offset the inevitable downturns in one area (or company) with the upturns of another. Regular rebalancing of your portfolio is essential maintenance. You don't want to get caught with all your eggs in one basket because diversification cannot ensure a profit or protect against loss in a declining market....


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