Dollar-cost averaging involves regularly investing a fixed dollar amount, regardless of the share price. For instance, you might invest $100 on the 1 st  and 15 th of every month.   Maintaining consistency is key to developing disciplined investing habits. Increasing investment efficiency can lower your average cost per share.   For instance, if you invest $200 every month, you will purchase fewer shares when the market is up and more shares when the market is down. Over tim