I'm not really an investor. The main reason is because I'm not much of a risk taker. I've dabbled in local stocks but they've all been reduced to nothing today (the units just shrank by themselves, i'm still unsure how it all happened!!!). I'm not a spender, I save a minimum of 30% of my gross income on an average for retirement for both my spouse and myself. I have three sources of income but they all require time and effort. A fourth tiny source are dividends from some bonds. I hope I can progress to a point one day where the dividends can support my family.