According to my analysis of investment recommendations, including dollar value costing, the time value of money, and dollar cost averaging, all you have to do is invest on a regular schedule -- and never take your money out of the market.
Oh I DO! 10% of my gross goes directly into my 401K. The company adds another 3% on top of that. The scottrade account is just me playing around with some mad money trying to be one of the rare few that scores with penny stocks.