Returns are only bad on index funds if you pull out. Historically you're getting 7% over 10 years with virtually no fees. Managed funds rarely beat 7% and have

Returns are only bad on index funds if you pull out. Historically you're getting 7% over 10 years with virtually no fees. Managed funds rarely beat 7% and have fees which reduce any gains you may have made. Better to self manage and get that consistent growth.