Fungi,If you don't want to be actively engaged in managing your assets, then pay the fees and get with the rest of your life without a regret or glance back. It's just money, and one's time and sanity are far more important. OTOH, what some smart people advise even those who prefer to have someone else manage their money is to carve out a reasonable grub stake for oneself and then try to put it to work just for the gaining the sort of real world experience that enables you to better understand what your main adviser is saying and how he/she is making decisions for you.Charlie
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