Then the title of the thread for just be "Long term investment for newbies". I think  you done try by passing out the necessary information. Though I done see similar discussion for other threads, but I think by making this thread, you dey help me and others remember watin we done learn, which I will commend you for that.

And as for this part wey u specify say :

I think e go dey quite complex, since no be every newbie go fit dey consistent on such approach, because no be everybody go get continuous stream of income to take do regular DCA. Or e get any other method wey u fit suggest to Newbies wey no get better source of income?, but dey see money once-once?.