Semi retired engineer and economist. Real estate and construction background. Now managing my own retirement funds. I am slowly learning the ways of ETFs and CEFs. This seems like the way to go for investors like me. You can even build your own hedge finds using ETFs and CEFs ... whatever that means. And, lots and lots of dividend paying stocks ... you get paid to wait out down markets. Education: Brown University - Engineering. Harvard University - economics, finance and government. Fall asleep at night dreaming of cost spreadsheets, critical path method scheduling, net present value / discounted cash flow calculations. It may take me years to once again dream about trees, plants and flowers. This is payback for years working in the engineering - economics fields. Ouch and double ouch.