I am 62 years old, semi-retired, from a small consulting business in North Carolina. Collecting Social Security, and making up the rest from my investments. I tend to be distrustful of the stock market but am persuaded somewhat by the great dividend investor crowd on SA. I tend to buy investments that pay some kind of return. This constitutes a blend of tax-free muni funds and ETFs, high yield funds and ETFs, and some equity investments. Keeping my durations short right now.