1) By diversify I mean some $ in global  (index-equity) funds,some in US,some in (corporate) bond funds,gold,cash etc .
2) By cost averaging I am thinking maybe add funds twice a year.
3)"Blindly buying"...as you put it....(and painful as it sounds to me)...is what the average "cost averaging" investor has to do
"Merit" does not enter into it...
.
Again;this is the sort of advice I would give a young/"uninterested" investor.

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