A robo-advisor offers the benefits of stock investing, but doesn't require its owner to do the legwork required to pick individual investments. Robo-advisor services provide complete investment management: These companies will ask you about your investing goals during the onboarding process and then build you a portfolio designed to achieve those aims.

The recent market turbulence has reinforced the importance of this approach. The stock market has gone through each of the three possible stages in recent months: market in confirmed uptrend, uptrend under pressure and market in correction. To stay protected throughout these changes, follow the No. 1 rule of investing: Always cut your losses short. While you can't control what the stock market does, this basic rule lets you control how you react.
AT&T (NYSE:T) -- AT&T is one of the leading players in wireless communications and has built itself quite a media presence with acquisitions of DirecTV and Time Warner in recent years. The upcoming wide rollout of 5G technology should be a nice tailwind for years to come, and the company has a fantastic track record when it comes to dividends. AT&T pays a dividend that's well above the industry average, and it has increased the payout for 34 consecutive years.

Dollar-cost average: This sounds complicated, but it’s not. Dollar-cost averaging means investing a set amount of money at regular intervals, such as once per week or month. That set amount buys more shares when the stock price goes down and fewer shares when it rises, but overall, it evens out the average price you pay. Some online brokerage firms let investors set up an automated investing schedule.
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