[Mr. Lucky]

Sorry, but we poor, white, religious, small town gun owners are too bitter to understand the stock market. Although having a 401K portfolio invested in high dividend blue chips makes it possible to dollar cost one's way to a retirement that won't be dependent upon the government's largess. That's some consolation at least.

[nicola_tesla]

Good luck with that:

http://moneycentral.msn.com/content/p104966.asp

When the market is studied over long periods, dollar-cost averaging almost always produces lower returns than investing lump sums in diversified portfolios, and almost never reduces risk meaningfully.