If you do not know the philosophy of your investing, I can assure you, you are doing a bad job. Not because you want to but because you are expecting too much from your brain. Investing is a high-energy job. So doing a SIP (systematic investment plan) is a great step. Now if you do not want to do a SIP but want to create your own portfolio, you need to have a clear investment philosophy (which you can explain to your child studying in class 9 in about 50 words or in pictures).

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http://www.dnaindia.com/money/report-portfolio-tips-for-diy-investors-2269413