CASH-CHALLENGED STOCK

Physician's Money Digest, February15 2003, Volume 10, Issue 3

If your budget doesn't leave youmuch cash to invest, take a look atoutfits like ShareBuilder.com andBuyandHold.com. Both companieswill set up an automatic investmentplan for you that lets you invest smallamounts each month. You canchoose individual stocks, a basket ofstocks, or exchange-traded funds thattrack indexes like the S&P 500. Adrawback for the really small investoris the cost. BuyandHold charges$6.99 a month, a fee that includes 2trades, while ShareBuilder charges$4 a trade. If you opt to invest $20 amonth, a $4 transaction fee meansyour stocks will have to gain 25% justto break even.