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Not All Investing Ideas Are Created Equal

By Kristen F. Wells

You probably have heard the old adage -”there are no dumb questions, only dumb answers.” The question “When is the best time to invest?” is no exception when you are invested in the stock market.

Based on dollar cost averaging (discussed in a future article) – buy small amounts regularly. I will not go through the math now, but the principle is quite straightforward – and yes, it works in other currencies too. When you buy regularly, you will buy a larger number of shares when the price is low, and fewer when the price is high, giving you better gains than buying at an average price. And you will have far better gains than buying at the highest price.

You can further improve on this by buying a bit more than your regular amount when prices are low, and trimming your purchases when prices are higher. Just do not stop investing when prices rise, or you may regret you bought too little of a great investment. The biggest advantage of this approach is that it encourages you to save a regular amount and invest it, rather than put off investing until you have more money put aside. I suspect this principle is what inspired folks like Sir John Templeton to launch mutual (investment) fund companies. These funds are ideal for regular investments of small amounts. Although, admittedly, they work even better with large amounts.

If your employer offers a 401k option, then you should sign up and start contributing now. This money is taken from your check prior to taxes being taken out and deposited into your 401k account. Most employers match up to a certain percentage. There is no reason not to participate in this type of plan. The other most popular types of preparation to retire are IRAs. You will need to research deposing on your needs. Or you can take the advice of your IRA custodian and decide which one or how many of different types that you should invest in. IRAs also give you the chance to play with real estate properties as a form of residual and large pay out amounts. You can generate enough income to pay bills, debts, and contribute to retirement plan savings if done right.

Your goals will be determined by your needs; this will be done whether it is by you or your financial advisor. You will need to factor in current income, living expenses, debt, bills, lifestyle, and what goals and dreams you have for your lifestyle after retirement. You will need a certain amount of savings and investments to realize your retirement needs and wants. There should also be a cushion in cases of emergency, illness, death, or any unforeseen circumstances. There is no better time than the present to begin saving for the future. It is necessary to prepare for that and more. You can also factor in what you will be receiving from social security benefits; however, this should be the amount with the least importance. It is rarely enough to live on, and it should be used as part of the extra and cushion factor.

Sir John Templeton was a long-term investor who was very optimistic about the prospects for the world. I can almost hear him say, “there is no time in history where people were as well off as they are today.” His forecast for the Dow Jones Industrial Average at the end of this century – 1 million. To put that in context, at the end of the last century (I use December 31, 1999) the Dow was at 11,500, and it only requires a 4.6% annual growth to get to 1 million in 100 years.

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MLA Style Citation:
Wells, Kristen F. "Not All Investing Ideas Are Created Equal." Not All Investing Ideas Are Created Equal. 29 Jul. 2012. 28 Jul 2014 <>.

APA Style Citation:
Wells, K (2012, July 29). Not All Investing Ideas Are Created Equal. Retrieved July 28, 2014, from

Chicago Style Citation:
Wells, Kristen F. "Not All Investing Ideas Are Created Equal"

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