Where Self-Serve Investments Fall Short - DGT

INVESTMENT STRATEGY

ECONOMIC & MARKET INSIGHTS

them based on personal financial goals, time horizon and tolerance for risk, which are in flux over time. An even easier yardstick: Do you honestly have the time, desire and knowledge to manage your own investments? “Even if you are a long-time do-it-yourselfer, we think it’s smart to get a second opinion with a portfolio evaluation,” said Commerce Trust Senior Financial Planner David Stubblefield, CFP ® , CDFA ® . “You might simply confirm you are doing a great job in meeting your goals, or you may discover an advisor might have added value over time. You gain valuable insight either way, just like getting a second opinion.” With the proliferation of low-cost robo-advisors to make investment decisions on what to buy and sell, and low-cost passive investments like exchange traded funds (ETFs), some argue that do-it-yourself investors have enough credible tools to manage their assets if they put in the time and effort.

The issue for most do-it-yourself investors is whether they

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