Article: A Long-Term Strategy: Dollar-Cost Averaging

Throughout 1995 and into the first three months this year, investing in the stock market was easy: You put the money in, then watched it grow.

Recently, though, the ride has turned bumpy, and many investors, particularly novices, are wondering whether to continue investing or sit on their money until a clear trend emerges. Bonds no longer provide a safe haven, as their prices gyrate along with interest rates.

But for many Americans, investing in stocks and bonds remains the only realistic way to accumulate the nest eggs they need -- for college, for retirement, for the other big-ticket dreams most of us have. So what to do?

One way to ease the queasiness is to employ a strategy ...

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