Being in my late 40s, I've been investing for 25+ years. I'm not a Professional Advisor or qualified to provide financial advice, but here to learn and express our personal opinions. The last 10 years we changed our strategy to handle our own finances through Dividend Investing. I had lacklustre returns from Mutual Funds and received poor advice from costly Financial Advisers. We're much more successful doing yourself in handling all investment decisions. Focus with Blue-Chip US conservative stocks, we seek some Growth, but looking at stability with a Buy & Hold approach. Stocks targeted normally have Yields 2+% with a history of dividend increases, offer strong brand recognition, 15+% ROE annually, low PEs and must be simple to understand. I keep our Portfolio small (under 15), so we can place larger bets on the strongest companies. Companies in the same industry are avoided to ensure proper diversification and weighting. Holdings include: BEN, CSX, CVX, DE, IBM, KMB, KO, MO, NKE and PM. This simpler and safer selection of stocks reduces risks and increases the possibility of reaching our investment goals. We buy on dips and avoid timing the market and use DRIP to add more shares. Some of our holdings have increased dramatically and will occasionally adjust the weighting. Slow and steady, but nearly always fully vested. We look for long term investments and rarely sell and never use margin. Changes to our portfolio involve adjusting the weighting, business deteriorates or Dividends being reduced/cancelled. Buy and Hold involving Dividend Investing is our long term strategy.