You know what they say, nothing in life worth having is easy.

If you are lazy, keep it simple and invest in a few mutual funds, dollar cost average and realize there will be down periods (like now).

If you are willing to work at it, then it is time to do research and figure out what investing system you want to you.

There are hundreds of systems out there, the key is sticking to the system, as soon as you screw with it thinking you can do better, you will likely lose.