I am 60 years old,retired, have a retirement pension and income from dividends stocks, some mutual funds. It's a little late in the day for me (60 years old) ....but trying to grow my dividend stock positions. Investing about 30 years, mostly with mutual fundsbut lowering my exposure. The last 4 years I have change my interest to dividend paying stocks. Very conservitive investor.....preservation of capital About 50% assets in traditional ira, 20% in roth ira, 30 individual money.