from so much trading. It seems if they are that actively managed that the expenses must be high?? comments please.

You are right – it’s just useless bells and whistles.

You can keep it simple. There are 2 things you can’t afford to lose in retirement: your principal and your purchasing power. Stocks that increase dividends over time take care of that.

Let’s say a stock pays a 5% dividend. It means $1.25 on a $25.00 stock. If the company increases the dividend to, say, $1.45 (16% hike), the market will adjust the stock price to yield 5% – $29.00. So, your principle grows, and your income rises faster than inflation.