Geez! You guys make it look so hard to invest a few bucks! I have posted a few remarks in the past, but it doesn't look like anyone is listening..................I'm 71, been retired since 2000 when I took my SS at 62. Income? Navy retirement  $18,000 Social Security $18,000 Wife's Social Security $8,000 Debt? Probably more than I should have at my age, but with our good credit standings, I have a boat, trailer, and a manufactured home on the Alafia River in Florida 100 feet from Tampa Bay. Since 2000, I probably take approximately $20,000 to $25,000 out of my investments yearly for fun and enjoyment. Money for investments total $200,000. I have never lost a penny. How do I do it? I have posted in the past that I have been fully invested in Phoenix Wealth Management Funds for the past 20 years. My investment strategy? Every quarter, I pick the top 10 funds , and go with them for the next quarter. I have done this since 2000. What have I done this year? Phoenix Duff and Phelps REal Estate Security Series down 5.58% ...... Pimco  VIT CommodityReal Return Strategy Portfolia Advisor Class up 34.32%..........Pimco VIT Real Return Advisor Class up 4.17%.... PimcoVIT total return piortfoliao advisor class up 1.25%.....Sentinal El VPt bond fund up 0.69%

Take a look at Phoenix Wealth Management Funds, and you will see they are far from the best funds around, but practicing my strategy of taking the top funds for each quarter and sticking with them for the next quarter have provided me with a decent return over the years. Please, critique my investment strategy and let me know what you think. As for my debt, for toys etc.......all at less than 3.99% because of good credit. Most of my debt is at 1.99%