Whether you hire financial experts or not, you're still responsible for your investment results. Each choice is a decision you make; therefore, you're responsible. It is your money and you will live with the consequences whether good or bad. You decide which investment expert to hire, and you decide which investment to buy. If you don’t like your investment results, there is no one except you to blame. You can’t delegate the responsibility, even if you delegate the authority. The only way to make consistently smart investment decisions is if you learn what works, what doesn’t, and why. If your investment decisions aren’t based on knowledge, then what are they based on?