As someone who is not a professional investor, my basic strategy is “Buy & Hold.” This is one of the strategies that many individual investors follow. The reason is simple: U.S. stocks, including the S&P 500, have historically risen over the long term. I invest index funds into stocks and simply hold them. For 5 years, 10 years, 20 years—potentially for a lifetime. Whether the investment is in index funds or high-dividend stocks, the approach remains the same. Repeat. Invest index funds into stocks and hold them. That’s all there. The time required for this process is less than an hour per month. For an ordinary person to steadily build…