No, I think most people should utilize professional advice. My knee jerk reaction was to the notion that one should submit because if a fund manager can't do it, they most certainly cannot do it either. By hobbyist I mean someone who has educated themselves on investing, like most of the people who regularly participate in this thread. People who have actively decided to take their own specific approach. I have a degree in finance, but I am a hobbyist investor, because I do not manage money professionally. My initial reaction was a bit excessive, so I do apologize for the knee-jerk overreaction.