Invest consistently in broad market index funds with low expense ratios (under 0.10%). No stock picking. No market timing. This approach consistently outperforms the majority of actively managed funds over 20+ year periods.
Long-term investors who want market returns without management fees eating a significant portion of their gains.
Open a brokerage or retirement account (IRA, 401k).
Choose a total market or S&P 500 index fund with an expense ratio under 0.10%.
Automate regular contributions on a monthly schedule.
Enable automatic dividend reinvestment.
Resist checking it obsessively. Time in the market consistently beats timing the market.