Dear SmallIvy, I am 59 years old and believe that I need to "catch" up some to have a comfotable retirement. I have been contributing $23,000/year to retirement account at work through AIG Valic(only option. I have a variable annuity income lock invesment with them. Periodically I will contribute to a separate 401 K regular and Roth IRA invesment vehicle through another company. I do not have a financial advisor or accountant. My question is, I am leaning to puting new invesments in large, solid "blue chip" dividend producing companies such as Johnson and Johnson, Proctor and Gamble, Baxter,Dover with plans to diversify into energy companies and REITS. Is this a sound strategy or can you offer some suggestions. Thank you for any help. Thanks, Benny