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Invest Regularly and Stay Invested

Want to know how to turn a downturn into an opportunity you won't miss? Stick to regular investing.

Many people spend too much time trying to figure out the right time to invest in the markets. And for many people, this is a losing game. Some wait until after the markets have seen big gains, then buy in when prices are high. Some stay in the markets until they see things start to fall, and they sell when prices are low. Buying high and selling low is the opposite of making money.

The wise way to make money is to start to invest early, invest often and stay invested. Invest your money without ever having to think about it with an Automatic Savings Program (ASP). Decide what you can afford to put aside on a regular basis. Then see how much your investments can really start to grow. 

An Automatic Savings Program is right for you if:

• You'd prefer to invest smaller amounts more frequently than invest one large amount at a low cost.
• You worry about when to invest since fund prices fluctuate.
• You're tired of trying to time the market highs and lows to maximize your return.

Still not convinced? Often called "dollar cost averaging"; an ASP helps you buy more units when prices are low and fewer units when prices are high.

Need an example?

Dollar cost averaging is a simple strategy that helps you save by averaging out the cost of your mutual fund units, by investing the same amount of money on a regular basis (weekly, bi-weekly or monthly). Since mutual fund prices fluctuate, you will buy more units when markets are low; and you will buy fewer when markets are high.

Here's an example for if you started investing regularly:

Month	Unit Price	Units Bought	$ Invested	Value
1	$15	15.00	$225	$225.00
2	$13	17.31	$225	$420.00
3	$14	16.07	$225	$677.31
4	$12	18.75	$225	$805.55
5	$16	14.06	$225	$1,299.07
6	$15	15.00	$225	$1,442.87
			Total $1,350
Average Price		Total Units	Average Cost Per Unit
$14.17		96.19	$14.03

But if you only did a lump sum investment:

Month	Unit Price	Units Bought	$ Invested	Value
1	$15	90.00	$1,350	$1,350.00
2	$13	0.00	$0	$1,170.00
3	$14	0.00	$0	$1,260.00
4	$12	0.00	$0	$1,080.00
5	$16	0.00	$0	$1,440.00
6	$15	0.00	$0	$1,350.00
			Total $1,350
Average Price		Total Units	Average Cost Per Unit
$15.00		90.00	$15.00

*This table is used only to illustrate the possible effects of regular investments in a mutual fund and is not intended to reflect future values of Streetwise Portfolios or returns on investment in Streetwise Portfolios.

All securities, including mutual funds present a risk of loss of capital. A mutual fund’s return will generally vary from year to year and may sometimes lose money. To understand risk better, you may also want to look at the specific risks for mutual funds and how they could affect their value. The principal risk factors for the Streetwise Portfolios include Index Risk, Equity Risk, Foreign Investment Risk, Foreign Currency Risk and Fixed Income Investment Risk. For a full list of the funds’ risk factors and details about them, see the What Are The Risks of Investing in a Mutual Fund Generally section of the funds’ simplified prospectus.

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Unlike some other mutual funds, exchange traded funds or securities, with Streetwise Portfolios™ you won't pay a trading fee to invest and build your wealth through dollar cost averaging.

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