This is a shared setting for two of us: HLW is a retired office interiors manufacturer/ SVP ,having many of the Fortune 500 as clients. Was physics/ biology major in grad school, interests in politics, history, science. LAW is a retired RVP of a mega billion dollar corp., previously the CEO of her own company, which she sold to the much larger one. She was an English major in college and grad school., and we are the parents of five children and five grandchildren. We are only half a notch above novices, but doing our own investments, and averaging about 8-10 percent a year between dividends and growth. Risk from low to high.