if you're comfortable with your investment plans and learn to clean the shaft from the grain of investment opinions,"facts", etc. go with it. your judgement and self-education is %-wise just as good as most professional. just make sure you have some lee-way or some rainy day money!!! VERY IMPORTANT!!! i had a great plan and was permanently injured 9 years ago, in 2 years (2002) i would have been able to retire. instead, within 2 1/2 years i had to liquadate everything and lost my house,pension,insurance...every-thing you could ever imagine. my close friend had a great job, and i spent a year nagging get a 401K,IRA,investments,etc.--and 2 1/2 years ago they were no longer able to work! BUT they took my advice and they still have everything they started with plus
some investments that will hopefully keep growing for the next 12 1/2 years until they are 59 and can get the most benefit out of the investments.
verbose i am, but keep to your plan, make sure you can tolerate the risk/downside/? and if you have a trusted accountant,etc. check from time to time with them... but remember it's your money, your future,your
responsibility-- no matter how good the "pros" are they
will not take the action to replace your$ if the market turns, your investment dives, etc. ... sometimes
they do say i'm sorry. mamaearl