Now, if YOU are going to manage your own portfolio... go for it. It'll get harder for you to do as you get older. Up until your late 60's, it'll be fun. After that, it'll become a chore. And unless you are an SEC accredited investor, you'll have a harder time finding someone to manage your portfolio "your way". Until then, I know my industry. I know my products. I know my strategies. You would obviously not be a fit to be a client of mine. Even if I was securities licensed again, most people OVER-estimate their stock market risk tolerance. Even and especially according to FINRA's own Financial Capability studies. People feel better about risk ONLY as markets rise. http://gflec.org/wp-content/uploads/2016/07/NFCS_2015_Report_Natl_Findings.pdf But you go ahead and do it yourself. You obviously need my permission, so I'm giving it to you.