What I have learned for myself - may not be what's best for you though: Diversified funds covering all sectors is basic to investing. When one sector is up, another is down. The funds are diversified themselves and managers of the funds are buying stocks before they become "buy" stocks and selling stocks before they change to "sell". You can't time the market. In retirement, you need to have three years in cash. There is much more to financial planning than investing. When to take Social Security? Creative tax strategies. Estate planning. Insurance needs may include umbrella coverage, especially in later years. Paying for advice may yield more in return than cost of the advice. Each person has different goals, risk tolerance, etc. Either self educate or hire a fiduciary (or neither). It's all up to you.
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