An individual investor focused on preservation of capital and generating dividend income. My strategy is to invest in quality, dividend paying companies, with simple business models, and, a long track record of increasing dividends. Like Nick Murray, I'm a believer in diversification, but not in asset allocation. I'm long 100% equities, all the time. I can live with any amount of volatility if I'm in quality companies. Since I live off dividends, the prices at any particular moment don't rattle me. David Fish's CCC list is my primary watch list. The quality of the business model (simplicity, tenure), earnings track record and valuation are key principles in my book. Free cash flows and payout ratios are very important metrics. When I first started investing in 1990, I gravitated to DGI - a book called "dividends don't lie" influenced me. I did not have a single losing position in 10 years. Then, I learned an expensive lesson in 2002 (60% loss of net worth at that time) when I lost my way and got into momentum/technology stocks. I lost track of understanding WHAT I was buying and HOW the company made it's money. I will never deviate from buying quality companies that have a long track record of paying dividends, at value, since I paid a high price to gain that knowledge. A critical insight -- it is better to pay a fair price for an excellent company than an excellent price for a fair company (Buffett). I buy companies that I'd buy more of if prices were to drop. A second one, is to have a long term orientation (Klarman). In other words, buy and hold, allow compounding to work, and try not to "market time". SA DGI leaders such as Chuck Carnevale, Chowder, David Fish, David Van Knapp, Tim McAleenan, Part Time investor, Sure Dividend and several others have influenced my thinking. It is not an exaggeration to say that SA has impacted my life. I'm a first generation American, and am very grateful for the opportunities provided by my adopted country.35 companies make up 72% of my portfolio. In descending order of size - Proctor & Gamble,Johnson & Johnson,Verizon,Cocal-Cola, AT&T,United Technologies,Exxon Mobil,Diageo.Kimberly-Clark,Hershey, Kraft Heinz McDonalds Pepsico Unilever Chevron Wal-Mart Emerson Electric International Business Machines Phillip Morris Cummins General ElectricNestle Disney Microsoft Cisco 3M Helmerich Payne GENERAL MILLS United Parcel Service QUALCOMM W P CAREY Wells Fargo Archer Daniels Midland Oracle Apple. All but three are rated as narrow or wide moats. The other holdings are mini-ETFs (for example, 11 REITS that I treat as 1 diversified company). The remainder, ~14 companies, (examples include: Ambev, CAT, DE, DVN, MUR, MRO) are ones I will slowly sell of and re-invest into my core holdings. As of May 1, 2016 (aged 57 years) I have retired and live off my dividends.