<human>: Hello r/Investing.do, she said that with the amount of money I have (relatively large for a student my age) I should have a broker managing my money. Currently I use Vanguard funds and Schwab Brokerage. Assets are mostly MF/ETF, index funds, some sector specific, some actively managed, and a couple of minor positions in individual securities (save AAPL, which used to be minor in 2003). My concern is that from everything I read "Actively Managed" funds do not outperform indexes, so if I have most of my money in diversified funds I do not know what I have to gain. I am not super diligent about rebalancing, though when I do have money to invest I always put into an underrepresented part of my portfolio (Both Schwab and Vanguard have nice tools to point those out).

Give me the gist of the text in a nutshell
<bot>: Wife wants me to use a broker or CFP. I think it may not be worth it. Educated opinions pro/con?