I had money in Vanguard for a while.  I sold out of it, it wasn&#x27;t making money and didn&#x27;t seem to track the index it claimed to.  The process was very opaque, buy &amp; sell requests only processed once a week, they determined the price you sold at, etc.  I guess trading it as an ETF could have negated some of those issues.<p>Now I invest in stocks with high yield dividends.  Generally I look for stocks that have yields of 8 - 10%, then investigate the company further to see why that&#x27;s the case.  I&#x27;m looking for rare moments when big successful companies have a temporary blip that makes them a bargain.  Some of the shares I&#x27;ve bought are now paying out 20%+ annually just in dividends, compared to the price I paid for them.