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History has shown that investments tend to reward those who maintain a long-term perspective. Time - not timing - is critical in the pursuit of long-term financial security.

By investing equal amounts of money regularly over time, you take advantage of a strategy called “dollar cost averaging.” This strategy lets you invest through the normal ups and downs of the markets by allowing you to purchase more shares when prices are lower, and fewer shares when prices are higher.

Of course, dollar cost averaging does not assure a profit and does not protect against loss in declining markets. Before investing, you should consider your financial ability to continue purchasing through periods of low price levels.