I did do mine own, but I found life too busy to stay on top of it. As a result, I missed some timing to bail out or jump in, as result of that I lost a bunch for missed making money just camped out in big "safe" funds. I use mostly Fidelity now, because I cannot watch things as closely as someone that has it as their all-day everyday job. I would have substantially more had I made the change years ago. Everyone can make money when times are good, but then there's 1987, 2008-9, and 2020.
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