Dollar-Based Investing Coalinga CA

Find out the answers to commonly asked investing questions.

Abbas Heydari
Abbasali Heydari
(310) 792-2090
21535 Hawthorne Blvd. Suite 355
Torrance, CA
Expertises
Helping Clients Identify & Achieve Goals, Cash Flow/Budgets/Credit Issues, Retirement Plan Investment Advice, Estate & Generational Planning Issues, Ongoing Investment Management, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®

Christopher Wentzien
Natural Bridges Financial Advisors
(831) 421-0700
332 Columbia Street
Santa Cruz, CA
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA, MBA

Scott Dauenhauer
Meridian Wealth Management
(949) 916-6238
25283 Cabot Road, Suite 207
Laguna Hills, CA
Expertises
Retirement Plan Investment Advice, Ongoing Investment Management, Advising Employee Benefit Plan Participants, Insurance Related Issues, including Annuities
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®, MSFP

John Harms
Newport Financial Advisors
(949) 721-9960
110 Newport Center Drive, Suite 200
Newport Beach, CA
Expertises
Advising Medical Professionals, Ongoing Investment Management, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, BA, CFP®

Cathy Curtis
Curtis Financial Planning
(510) 451-3528
3824 Grand Avenue, Suite 100
Oakland, CA
Expertises
Ongoing Investment Management, Cash Flow/Budgets/Credit Issues, Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals, Women's Financial Planning Issues, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®

Todd Butler
WESCAP Group
(818) 563-5170
303 N. Glenoaks Boulevard, Suite 905
Burbank, CA
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, High Net Worth Client Needs, Retirement Plan Investment Advice, Tax Planning, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®

Neerja Bhutani
Bhutani-Palmin Financial Planning, LLC
(925) 262-8445
712 Bancroft Rd . # 752
Walnut Creek, CA
Expertises
Hourly Financial Planning Services, Helping Clients Identify & Achieve Goals, Investment Advice without Ongoing Management, Middle Income Client Needs, Women's Financial Planning Issues, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®

Michael Randolph
Randolph Managed Investments
(707) 573-1357
50 Old Court House Square, Suite 303
Santa Rosa, CA
Expertises
Ongoing Investment Management, Charitable Giving - Trusts & Foundations, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®, MS

Cheryl Morhauser
Cheryl Morhauser & Associates
(530) 477-9519
PO Box 1770
Nevada City, CA
Expertises
Newlyweds & Novice Investors, Ongoing Investment Management, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Hourly Financial Planning Services, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®

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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