Don't be discouraged. Though it might take you a small amount of education getting started, it's really not that complicated. Follow pier's excellent post. It's straight forward, but not easy, to implement a plan like this. The majority of investors buy at the top and sell at the bottom, and get poor returns. Don't be one of these. You'll have to put in the very basic level of due diligence to understand this, otherwise you will be one of those who gets poor results. Charlie Munger and Buffett say if you don't have the patience to be a common stock holder, you deserve the poor returns you will get! Remember at the end of the day, you are responsible for your money and no one else is.