I started off investing by buying my own individual stocks. Buying bits and pieces here, selling there. Trying out a few different pie configurations. Micromanaging everything. Same as everybody else.
After researching SMT I just sold everything and put it into SMT. They basically invest in the same things I do. Techy stuff. And they’re 100,000 times more skilled at picking stocks than I am. So my retirement portfolio literally has just one stonk lol. SMT.
Yes it’s risky doing this. Apparently I’m supposed to have bonds that return 0.0000001% per year or some all world ETF or something. Whatever boomer… YOLO BABY