Dollar-Based Investing Coalinga CA

Find out the answers to commonly asked investing questions.

Michael Gorman
Wiiken & Gorman LLC
(707) 769-0200
775 Baywood Drive, Suite 306
Petaluma, CA
Expertises
Ongoing Investment Management, Real Estate Investments, Retirement Planning & Distribution Rules, Socially Responsible Investments
Certifications
NAPFA Registered Financial Advisor, BA, CFP®

Daniel Leahy
Pennington Financial Group
(916) 635-5858
11246 Gold Express Drive, Suite 102
Gold River, CA
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Tax Planning, Estate & Generational Planning Issues, Special Needs Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CRTP

Kevin Young
Young Wealth Management
(916) 418-0375
3814 Auburn Blvd., Suite #70
Sacramento, CA
Expertises
Estate & Generational Planning Issues, Cash Flow/Budgets/Credit Issues, Helping Clients Identify & Achieve Goals, Tax Planning, Retirement Planning & Distribution Rules, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFP®, EA, MBA

Theodore Roman
Roman Financial Advisors
(619) 669-1111
2245 San Diego Avenue, Suite 221
San Diego, CA
Expertises
Real Estate Investments, Retirement Planning & Distribution Rules, Tax Planning, Helping Clients Identify & Achieve Goals, Retirement Plan Investment Advice, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, EA

Walter Romatowski
Castellan Financial Advisors
(916) 663-6338
919 Reserve Dr., Suite 105
Roseville, CA
Expertises
Hourly Financial Planning Services, Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Middle Income Client Needs, Cash Flow/Budgets/Credit Issues, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®, CMA, MBA

Clayton Ernst
Bingham, Osborn & Scarborough LLC
(650) 462-8666
1900 University Avenue, Suite 108
Palo Alto, CA
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Tax Planning, College/Education Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Bob Goldman
Bob Goldman Financial Planning
(415) 331-1546
180 Harbor Drive, Suite 221
Sausalito, CA
Expertises
Retirement Planning & Distribution Rules, Newlyweds & Novice Investors, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor

Michael Chamberlain
Chamberlain Financial Planning LLC
(831) 423-1340
100 Doyle Street, Suite D
Santa Cruz, CA
Expertises
Hourly Financial Planning Services, Ongoing Investment Management, Middle Income Client Needs, Insurance Related Issues, including Annuities, Newlyweds & Novice Investors, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®

Alfred McIntosh
McIntosh Capital Advisors,Inc.
(310) 470-4056
10801 National Blvd., Suite 610
Los Angeles, CA
Expertises
Ongoing Investment Management, Cash Flow/Budgets/Credit Issues, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, PFP

Delia Fernandez
Fernandez Financial Advisory,LLC
(562) 594-4454
5212 Katella Avenue, Suite 205
Los Alamitos, CA
Expertises
Advising Employee Benefit Plan Participants, Ongoing Investment Management, Retirement Planning & Distribution Rules, Middle Income Client Needs, Investment Advice without Ongoing Management, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

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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