You want to know how to beat 91% of the crowd?
How do you think you can out invest all the highly paid money managers and traders?
Its simple, very simple and the reason you hear very little about it is that no one has a vested interest in educating you.
Buy the S&P 500 and forget it. Thats it. Back when I was a stockbroker, there were alot of barriers to doing this. There were mutual funds that tracked the S&P but you had to pay a broker to buy them and of course there were minimums and account fees, etc.
Now, with ETF's (exchange traded funds) such as vanguard and very cost effective accounts such as fidelity and scottrade, you can buy your way into the S&P slowly, with the money you have set aside for the long term (yes, i said long term, ten yrs or more) and let it sit.
You won't beat the market but you will participate in it with the lowest possible fees. This doesn't mean you can't lose money, it means you will track the S&P which is the benchmark by which 90%+ of money managers and traders cannot beat with any regularity.
More on fees later. Stay tuned.