Originally Posted by
742Dash
That works well during your younger years while accumulating. A basic asset allocation model, fill it with index funds/ETFs. Done.
However it starts getting more complicated as retirement nears. Mitigating sequence of returns risk and longevity risk are not simple things for an individual retail investor to manage.
Not really. Anyone who can't manage the retirement funds they were smart enough to accumulate without the additional overhead of a financial advisor certainly can't manage it WITH the additional overhead.