Direct purchase and dividend reinvestment plans are low-cost, low-maintenance ways to get into the stock market. Investors can often buy shares directly from the company, avoiding brokerage fees and commissions.

You typically don't need a lot of money to get started. While some companies may require a minimum initial investment, such as $500, others let you get started with one share.

As dividends are paid, they can be reinvested to buy more stock. And that will give you a bigger payout next time dividends are paid. Over time, the investments add up.

Not all companies offer direct purchase and dividend reinvestment plans. A partial list of companies that do can be found at www.natcorp.com/directlist.html. Also, calling a company's investor relations department can provide more information.