dollar cost averaging

简明释义

美元成本海损

英英释义

例句

1.If you start investing in your 20s with dollar cost averaging, you can build significant wealth over time.

如果你在20岁时开始使用定投投资，你可以随着时间的推移积累可观的财富。

2.Many investors use dollar cost averaging to reduce the impact of market volatility on their investments.

许多投资者使用定投来减少市场波动对其投资的影响。

3.Using dollar cost averaging can help mitigate the risk of making poor investment decisions based on emotions.

使用定投可以帮助减轻基于情绪做出糟糕投资决策的风险。

4.During a market downturn, dollar cost averaging allows investors to buy more shares at lower prices.

在市场下跌期间，定投允许投资者以更低的价格购买更多的股票。

5.By employing dollar cost averaging, you can invest a fixed amount regularly, regardless of the asset's price.

通过采用定投，你可以定期投资固定金额，无论资产价格如何。

作文

Dollar cost averaging, often abbreviated as DCA, is an investment strategy that involves regularly purchasing a fixed dollar amount of a particular investment, regardless of its price. This method is particularly useful for investors who want to minimize the impact of volatility in the market. By investing a consistent amount over time, investors can buy more shares when prices are low and fewer shares when prices are high. This approach can lead to a lower average cost per share over time, which can enhance overall returns. To illustrate this concept, let’s consider an example. Imagine an investor decides to invest $100 every month into a particular stock. In the first month, the stock price is $10 per share, so the investor buys 10 shares. In the second month, the stock price drops to $5 per share, allowing the investor to purchase 20 shares. In the third month, the stock price rises to $20 per share, and the investor buys 5 shares. Over these three months, the investor has spent a total of $300 and accumulated 35 shares. The average cost per share would then be $300 divided by 35, which equals approximately $8.57 per share. This is significantly lower than the average price of the shares purchased during those months.The beauty of dollar cost averaging (定期定额投资法) lies in its simplicity and effectiveness. Investors do not need to worry about timing the market or making decisions based on short-term fluctuations. Instead, they can focus on their long-term financial goals. This method encourages disciplined investing and helps mitigate the emotional stress that often accompanies stock market investments.Moreover, dollar cost averaging (定期定额投资法) is beneficial for new investors who may be intimidated by the complexities of the stock market. It allows them to start investing with a small amount of money and gradually build their portfolios over time. This gradual approach can help investors become more comfortable with the market and develop better investment habits.However, it is important to note that while dollar cost averaging (定期定额投资法) can reduce risk, it does not eliminate it entirely. There is still a possibility that the value of the investment may decline over time. Therefore, it is crucial for investors to conduct thorough research and choose their investments wisely. Additionally, this strategy may not be suitable for all types of investments. For instance, in a consistently rising market, lump-sum investing might yield better returns than dollar cost averaging (定期定额投资法). In conclusion, dollar cost averaging (定期定额投资法) is a practical investment strategy that can help individuals manage risk and build wealth over time. By consistently investing a fixed amount, investors can take advantage of market fluctuations and potentially lower their average cost per share. This method not only simplifies the investment process but also promotes a disciplined approach to saving and investing. As with any investment strategy, it is essential for investors to stay informed and make decisions aligned with their financial objectives. With patience and perseverance, dollar cost averaging (定期定额投资法) can be a valuable tool in achieving long-term financial success.

定期定额投资法（Dollar cost averaging，简称DCA）是一种投资策略，涉及定期以固定的美元金额购买特定投资，无论其价格如何。这种方法对于希望减少市场波动影响的投资者特别有用。通过在一段时间内持续投资固定金额，投资者可以在价格低时购买更多股份，而在价格高时购买较少股份。这种方法可以导致随着时间推移每股平均成本降低，从而提高整体回报。为了说明这个概念，我们来看一个例子。假设一位投资者决定每月投资100美元到某只特定股票中。在第一个月，股票价格为每股10美元，因此投资者购买了10股。在第二个月，股票价格下降到每股5美元，投资者可以购买20股。在第三个月，股票价格上涨到每股20美元，投资者购买了5股。在这三个月中，投资者总共花费了300美元，累计得到了35股。这时每股的平均成本为300美元除以35，约等于每股8.57美元。这比在这几个月内购买的股票的平均价格低得多。定期定额投资法（Dollar cost averaging）的美妙之处在于其简单性和有效性。投资者不需要担心市场时机或基于短期波动做出决策。相反，他们可以专注于长期财务目标。这种方法鼓励纪律性投资，并有助于减轻伴随股票市场投资的情感压力。此外，定期定额投资法（Dollar cost averaging）对新投资者尤其有益，因为他们可能会被股票市场的复杂性所吓倒。它允许他们以少量资金开始投资，并逐渐建立自己的投资组合。这种渐进的方法可以帮助投资者更好地适应市场，并培养更好的投资习惯。然而，重要的是要注意，虽然定期定额投资法（Dollar cost averaging）可以降低风险，但并不能完全消除风险。投资的价值仍然可能随时间下降。因此，投资者进行彻底研究并明智地选择投资至关重要。此外，这种策略可能并不适合所有类型的投资。例如，在持续上涨的市场中，一次性投资可能比定期定额投资法（Dollar cost averaging）产生更好的回报。总之，定期定额投资法（Dollar cost averaging）是一种实用的投资策略，可以帮助个人管理风险并随着时间的推移积累财富。通过持续投资固定金额，投资者可以利用市场波动，潜在地降低每股平均成本。这种方法不仅简化了投资过程，还促进了节俭和投资的纪律性。与任何投资策略一样，投资者必须保持信息灵通，并做出符合其财务目标的决策。凭借耐心和毅力，定期定额投资法（Dollar cost averaging）可以成为实现长期财务成功的宝贵工具。