> but may not want to manage such a thing This is exactly where my mind is at. I know how to diversify, allocate, and adjust an efficient portfolio, but I don

> but may not want to manage such a thing This is exactly where my mind is at. I know how to diversify, allocate, and adjust an efficient portfolio, but I don't want to do it myself. Same reason why I use managed services in IT ... I know how to run a mail server, web server, frontend, backend, etc, but I still use managed services (gmail, dropbox, squarespace, etc) to do it for me, because I'm optimizing for my time.