I have been a self directed private investor since Charles Schwab made it possible in the 1970s. I have had a lot of ups and downs due to my focus on technology stocks. But, in spite of the volatility in that segment, I have managed to hit a few home runs. Even as I enter into retirement, I remain about 95% in equities and equity funds. Nowadays I am more focused on dividend stocks with a goal of covering IRA RMDs with dividends rather than selling shares. That has led me to my current focus on high yield Business Development Companies.