Should i invest myself or should i pass my money to a fund manager? I have around 50k to invest but not sure where to put it and what to buy..

Hi Anon,

There are plenty of safe ways to invest your money and have it grow. You can go for REITs, other ETFs and bonds, but before you do that, I'd suggest you read up as much to understand what a Robo-advisor really does. Robo-advisory platforms assess your current financial position and recommend a portfolio strategy after reviewing your risk profile. These bionic advisors are still not very different from your ordinary financial advisors as both options will still have a management fee incurred for users. The difference lies with the amount, as Robo-advisors have lower management fees. And the best part is that they give you the most unbiased advice.

You can read here for a better understanding.

I work at kristal.AI, and my mojo is to help people make the right financial decisions. If you think I helped you, do give me "Thumbs up". If you think my response was biased let me know, I will work on it.

Depends on what your goal is - if you are trying to just get modest but consistent returns, you can just go ahead to invest in a ETF that tracks a market index of your choice (preferably S&P 500) by yourself, and not having to pay the relatively higher fees of an active manager. Of course, this is if you are quite comfortable with just having market returns, and having generally lower risk.

But if you are seeking for much higher returns, in the double digits, you definitely should stand a better chance if you pass your money to a active fund manager ofreputable status. I must say, however, that a manager who did well for 3 years may not necessarily do well for the next 10, 5, even 3 years. There is alot of academic research that shows that manager performances don't consistently beat the market in the long run.

But active managers are able to do customizable investment to your risk appetite that can gain much better returns than the market index, you just need to also be able to take the risk of losing as well. After all, active trading carries specific risks that having a diversified index portfolio like a ETF don't carry.