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You do not have to pay an advisor, and platforms usually only require you to pay for the services you need.  ",[963],{"type":129,"attrs":964},{"color":12},{"type":783,"content":966},[967],{"type":18,"content":968},[969,975],{"text":970,"type":22,"marks":971},"Potentially higher returns",[972,973],{"type":38},{"type":129,"attrs":974},{"color":12},{"text":976,"type":22,"marks":977}," – Lower fees can result in higher returns as you get to keep more of your money. This can be used to reinvest in your portfolio or put into a savings account.  ",[978],{"type":129,"attrs":979},{"color":12},{"type":18,"content":981},[982],{"text":983,"type":22,"marks":984},"Cons ",[985],{"type":129,"attrs":986},{"color":12},{"type":780,"content":988},[989,1004,1019,1034],{"type":783,"content":990},[991],{"type":18,"content":992},[993,999],{"text":994,"type":22,"marks":995},"Isolated decision-making",[996,997],{"type":38},{"type":129,"attrs":998},{"color":12},{"text":1000,"type":22,"marks":1001}," – Making decisions in isolation means you have no one to turn to for advice or guidance. If you face a tough question or you’re not sure what to do, you have no expert on hand to help.   ",[1002],{"type":129,"attrs":1003},{"color":12},{"type":783,"content":1005},[1006],{"type":18,"content":1007},[1008,1014],{"text":1009,"type":22,"marks":1010},"Steep learning curve",[1011,1012],{"type":38},{"type":129,"attrs":1013},{"color":12},{"text":1015,"type":22,"marks":1016}," – A financial advisor has spent years navigating the market, so they know it like the back of their hand. Unless you have a financial qualification or a background in investing, you face a steep learning curve to get up to speed.   ",[1017],{"type":129,"attrs":1018},{"color":12},{"type":783,"content":1020},[1021],{"type":18,"content":1022},[1023,1029],{"text":1024,"type":22,"marks":1025},"Time-consuming",[1026,1027],{"type":38},{"type":129,"attrs":1028},{"color":12},{"text":1030,"type":22,"marks":1031}," – Investing takes a lot of discipline and dedication to get right. This means you must spend time on it. If you have a full-time job and other priorities, you might struggle to put in the work you need to get the returns you want.  ",[1032],{"type":129,"attrs":1033},{"color":12},{"type":783,"content":1035},[1036],{"type":18,"content":1037},[1038,1044],{"text":1039,"type":22,"marks":1040},"Missing out on other financial advice",[1041,1042],{"type":38},{"type":129,"attrs":1043},{"color":12},{"text":1045,"type":22,"marks":1046}," – As well as building investment portfolios, financial advisors also offer financial advice for other areas of your life, such as estate planning, retirement planning, and tax. By choosing to forgo a financial advisor, you are also missing out on expert advice in other areas.  ",[1047],{"type":129,"attrs":1048},{"color":12},{"type":764,"attrs":1050,"content":1051},{"level":766},[1052,1057],{"text":1053,"type":22,"marks":1054},"Is DIY investing popular?",[1055],{"type":129,"attrs":1056},{"color":12},{"text":774,"type":22,"marks":1058},[1059],{"type":129,"attrs":1060},{"color":778},{"type":18,"content":1062},[1063],{"text":1064,"type":22,"marks":1065},"Although around for a number of decades, DIY investing has grown in popularity in recent years.  ",[1066],{"type":129,"attrs":1067},{"color":12},{"type":18,"content":1069},[1070],{"text":1071,"type":22,"marks":1072},"The most recent uptick in popularity was, in many ways, spurred on by the pandemic. ",[1073],{"type":129,"attrs":1074},{"color":12},{"type":18,"content":1076},[1077],{"text":1078,"type":22,"marks":1079},"During this time, market fluctuations led to opportunities for big gains, and many would-be investors didn’t want to miss out. ",[1080],{"type":129,"attrs":1081},{"color":12},{"type":18,"content":1083},[1084],{"text":1085,"type":22,"marks":1086},"“Lockdown boredom” was also a big factor, with many experts stating that more people gravitated towards DIY investing due to having more time on their hands.  ",[1087],{"type":129,"attrs":1088},{"color":12},{"type":18,"content":1090},[1091],{"text":1092,"type":22,"marks":1093},"While DIY investing might be popular, making big financial decisions in isolation could lead to costly mistakes. Without expert guidance, DIY investors could be putting their hard-earned money in jeopardy.  ",[1094],{"type":129,"attrs":1095},{"color":12},{"type":764,"attrs":1097,"content":1098},{"level":766},[1099,1104],{"text":1100,"type":22,"marks":1101},"Is DIY investing right for me? ",[1102],{"type":129,"attrs":1103},{"color":12},{"text":774,"type":22,"marks":1105},[1106],{"type":129,"attrs":1107},{"color":778},{"type":18,"content":1109},[1110],{"text":1111,"type":22,"marks":1112},"When it comes to managing your money, it pays to trust the experts.  ",[1113],{"type":129,"attrs":1114},{"color":12},{"type":18,"content":1116},[1117],{"text":1118,"type":22,"marks":1119},"Here are seven key reasons why getting expert financial advice is better than going solo.  ",[1120],{"type":129,"attrs":1121},{"color":12},{"type":18,"content":1123},[1124,1130],{"text":1125,"type":22,"marks":1126},"1. Your risk balance isn’t right",[1127,1128],{"type":38},{"type":129,"attrs":1129},{"color":12},{"text":1131,"type":22,"marks":1132},"  ",[1133],{"type":129,"attrs":1134},{"color":12},{"type":18,"content":1136},[1137],{"text":1138,"type":22,"marks":1139},"Aligning your risk appetite with your financial goals and investment timeline is a delicate balancing act.   ",[1140],{"type":129,"attrs":1141},{"color":12},{"type":18,"content":1143},[1144],{"text":1145,"type":22,"marks":1146},"For example, if you’re approaching retirement, high-risk investments can eat into your savings if they go wrong, but if you have a few years left before you leave the working world, you can afford to take more risk.  ",[1147],{"type":129,"attrs":1148},{"color":12},{"type":18,"content":1150},[1151,1156,1164],{"text":1152,"type":22,"marks":1153},"A ",[1154],{"type":129,"attrs":1155},{"color":12},{"text":1157,"type":22,"marks":1158},"financial advisor",[1159,1161,1163],{"type":31,"attrs":1160},{"href":55,"uuid":34,"anchor":34,"target":825,"linktype":36},{"type":129,"attrs":1162},{"color":12},{"type":829},{"text":1165,"type":22,"marks":1166}," can strike the right balance. They will look at your circumstances and future goals and recommend investments based on your circumstances and risk attitude.   ",[1167],{"type":129,"attrs":1168},{"color":12},{"type":18,"content":1170},[1171,1177],{"text":1172,"type":22,"marks":1173},"2. Your tax bill is too high",[1174,1175],{"type":38},{"type":129,"attrs":1176},{"color":12},{"text":1131,"type":22,"marks":1178},[1179],{"type":129,"attrs":1180},{"color":12},{"type":18,"content":1182},[1183],{"text":1184,"type":22,"marks":1185},"There are ways to reduce your tax burden through your investments if you know where to look.  ",[1186],{"type":129,"attrs":1187},{"color":12},{"type":18,"content":1189},[1190],{"text":1191,"type":22,"marks":1192},"Taking advantage of tax deductions and allowances can save you money, so it’s important to understand how to reduce your tax bill legally.  ",[1193],{"type":129,"attrs":1194},{"color":12},{"type":18,"content":1196},[1197],{"text":1198,"type":22,"marks":1199},"A financial advisor knows these intricacies and what to look out for to steer you in the right direction.  ",[1200],{"type":129,"attrs":1201},{"color":12},{"type":18,"content":1203},[1204,1210],{"text":1205,"type":22,"marks":1206},"3. Your eggs are all in one basket",[1207,1208],{"type":38},{"type":129,"attrs":1209},{"color":12},{"text":1131,"type":22,"marks":1211},[1212],{"type":129,"attrs":1213},{"color":12},{"type":18,"content":1215},[1216],{"text":1217,"type":22,"marks":1218},"Diversification is key to successful investing.  ",[1219],{"type":129,"attrs":1220},{"color":12},{"type":18,"content":1222},[1223],{"text":1224,"type":22,"marks":1225},"If all your money is in one sector and that suddenly drops in value, you could face huge losses.   ",[1226],{"type":129,"attrs":1227},{"color":12},{"type":18,"content":1229},[1230],{"text":1231,"type":22,"marks":1232},"A financial expert can help protect your money and prevent your investments from falling victim to market fluctuations by ensuring they’re well diversified.   ",[1233],{"type":129,"attrs":1234},{"color":12},{"type":18,"content":1236},[1237,1243],{"text":1238,"type":22,"marks":1239},"4. You don’t have a strategy",[1240,1241],{"type":38},{"type":129,"attrs":1242},{"color":12},{"text":1131,"type":22,"marks":1244},[1245],{"type":129,"attrs":1246},{"color":12},{"type":18,"content":1248},[1249],{"text":1250,"type":22,"marks":1251},"A strategy and a well-defined financial plan help you avoid snap or rash decisions such as panic selling or jumping on the latest investment fad.  ",[1252],{"type":129,"attrs":1253},{"color":12},{"type":18,"content":1255},[1256,1261,1268],{"text":1257,"type":22,"marks":1258},"By working with a ",[1259],{"type":129,"attrs":1260},{"color":12},{"text":1157,"type":22,"marks":1262},[1263,1265,1267],{"type":31,"attrs":1264},{"href":55,"uuid":34,"anchor":34,"target":825,"linktype":36},{"type":129,"attrs":1266},{"color":12},{"type":829},{"text":1269,"type":22,"marks":1270},", you’ll get impartial guidance about investment risks and direction on the best course of action for your money.    ",[1271],{"type":129,"attrs":1272},{"color":12},{"type":18,"content":1274},[1275,1281],{"text":1276,"type":22,"marks":1277},"5. You never review your portfolio",[1278,1279],{"type":38},{"type":129,"attrs":1280},{"color":12},{"text":1131,"type":22,"marks":1282},[1283],{"type":129,"attrs":1284},{"color":12},{"type":18,"content":1286},[1287],{"text":1288,"type":22,"marks":1289},"With investing, it pays to have a long-term view and knowing when to rebalance your portfolio.  ",[1290],{"type":129,"attrs":1291},{"color":12},{"type":18,"content":1293},[1294],{"text":1295,"type":22,"marks":1296},"A financial advisor can offer guidance on when you should review and rebalance your portfolio to help boost your returns.   ",[1297],{"type":129,"attrs":1298},{"color":12},{"type":18,"content":1300},[1301,1307],{"text":1302,"type":22,"marks":1303},"6. You’re trying to time the market",[1304,1305],{"type":38},{"type":129,"attrs":1306},{"color":12},{"text":1131,"type":22,"marks":1308},[1309],{"type":129,"attrs":1310},{"color":12},{"type":18,"content":1312},[1313,1318,1325],{"text":1314,"type":22,"marks":1315},"Investing is all about time ",[1316],{"type":129,"attrs":1317},{"color":12},{"text":1319,"type":22,"marks":1320},"in",[1321,1323],{"type":1322},"italic",{"type":129,"attrs":1324},{"color":12},{"text":1326,"type":22,"marks":1327}," the market rather than timing the market.  ",[1328],{"type":129,"attrs":1329},{"color":12},{"type":18,"content":1331},[1332],{"text":1333,"type":22,"marks":1334},"You want to be confident in any companies, sectors or assets you invest in, understand how they work, what tailwinds will drive growth, as well as any challenges. ",[1335],{"type":129,"attrs":1336},{"color":12},{"type":18,"content":1338},[1339,1343,1350],{"text":1152,"type":22,"marks":1340},[1341],{"type":129,"attrs":1342},{"color":12},{"text":1157,"type":22,"marks":1344},[1345,1347,1349],{"type":31,"attrs":1346},{"href":55,"uuid":34,"anchor":34,"target":825,"linktype":36},{"type":129,"attrs":1348},{"color":12},{"type":829},{"text":1351,"type":22,"marks":1352}," can help you gather all this information and make the best decision for you. At Unbiased, we do the hard work for you and find a financial advisor perfectly suited to meet your needs.   ",[1353],{"type":129,"attrs":1354},{"color":12},{"type":18,"content":1356},[1357,1363],{"text":1358,"type":22,"marks":1359},"7. You don’t understand your investment options",[1360,1361],{"type":38},{"type":129,"attrs":1362},{"color":12},{"text":1131,"type":22,"marks":1364},[1365],{"type":129,"attrs":1366},{"color":12},{"type":18,"content":1368},[1369],{"text":1370,"type":22,"marks":1371},"Investment options aren’t one size fits all.  ",[1372],{"type":129,"attrs":1373},{"color":12},{"type":18,"content":1375},[1376],{"text":1377,"type":22,"marks":1378},"Some are higher-risk assets offering potentially higher returns. Others will focus on income via dividends. Either can be useful depending on where you are in your life.   ",[1379],{"type":129,"attrs":1380},{"color":12},{"type":18,"content":1382},[1383],{"text":1384,"type":22,"marks":1385},"An advisor understands the various options and will guide you to the best investment options for your needs, saving you a lot of time and headaches around which one is the right choice.  ",[1386],{"type":129,"attrs":1387},{"color":12},{"type":764,"attrs":1389,"content":1390},{"level":766},[1391,1396],{"text":1392,"type":22,"marks":1393},"Get expert financial advice",[1394],{"type":129,"attrs":1395},{"color":12},{"text":774,"type":22,"marks":1397},[1398],{"type":129,"attrs":1399},{"color":778},{"type":18,"content":1401},[1402],{"text":1403,"type":22,"marks":1404},"Building an investment portfolio and growing your money is no easy task. It takes time, dedication, discipline, smart decision-making and a deep understanding of the markets.  ",[1405],{"type":129,"attrs":1406},{"color":12},{"type":18,"content":1408},[1409],{"text":1410,"type":22,"marks":1411},"If you need help building your portfolio, it's important to seek expert advice.  ",[1412],{"type":129,"attrs":1413},{"color":12},{"type":18,"content":1415},[1416],{"text":1417,"type":22,"marks":1418},"A good place to start is Unbiased. ",[1419],{"type":129,"attrs":1420},{"color":12},{"type":18,"content":1422},[1423],{"text":1424,"type":22,"marks":1425},"Here, you can get matched with an independent SEC-regulated financial advisor who can ensure you’re getting the most out of your current plan and are on course to achieving your investment goals.   ",[1426],{"type":129,"attrs":1427},{"color":12},{"type":18,"content":1429},[1430,1439],{"text":1431,"type":22,"marks":1432},"Match with an expert today",[1433,1435,1436,1438],{"type":31,"attrs":1434},{"href":824,"uuid":34,"anchor":34,"target":825,"linktype":36},{"type":38},{"type":129,"attrs":1437},{"color":12},{"type":829},{"text":1440,"type":22,"marks":1441},".",[1442,1443],{"type":38},{"type":129,"attrs":1444},{"color":12},"article-rich-text",[1447],{"_uid":1448,"image":1449,"title":1454,"CTALink":12,"CTAText":51,"subtitle":12,"component":1475,"breadcrumbs":558,"hideHeroImage":543},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1450,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1451,"copyright":12,"fieldtype":1452,"meta_data":1453,"is_private":12,"is_external_url":543},13760713,"https://a.storyblok.com/f/185166/2490x1660/753366b63e/diy-investing.webp","asset",{},{"type":15,"content":1455},[1456],{"type":18,"content":1457},[1458,1466,1471],{"text":1459,"type":22,"marks":1460},"DIY investing:",[1461,1464],{"type":25,"attrs":1462},{"class":1463},"primary-gradient",{"type":129,"attrs":1465},{"color":12},{"text":1467,"type":22,"marks":1468}," what is it, and is it right for me?",[1469],{"type":129,"attrs":1470},{"color":12},{"text":774,"type":22,"marks":1472},[1473],{"type":129,"attrs":1474},{"color":131},"app-hero",{"name":1477,"created_at":1478,"published_at":1479,"updated_at":1480,"id":1481,"uuid":1482,"content":1483,"slug":1493,"full_slug":1494,"sort_by_date":34,"position":1495,"tag_list":1496,"is_startpage":543,"parent_id":1497,"meta_data":34,"group_id":1498,"first_published_at":1499,"release_id":34,"lang":730,"path":34,"alternates":1500,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1484,"_uid":1485,"name":1477,"image":1486,"component":1489,"education":1490,"expertise":1491,"description":1492},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1487,"alt":12,"name":12,"focus":12,"title":12,"filename":1488,"copyright":12,"fieldtype":1452,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],[1502],{"_uid":1503,"body":1504,"title":1517,"component":1518},"2e0dbf7e-c4ec-437c-b68f-f12dfc9ded8a",[1505,1509,1513],{"_uid":1506,"href":1507,"text":1508,"component":542,"openInNewWindow":558},"2ce7bba3-ad4e-4ef7-a820-154243202261","https://www.unbiased.com/discover/investing/impact-investing-statistics","Impact investing statistics",{"_uid":1510,"href":1511,"text":1512,"component":542,"openInNewWindow":558},"83210ea3-28f3-47e9-a1f4-6b4f8348605b","https://www.unbiased.com/discover/investing/investing-statistics","Investing statistics",{"_uid":1514,"href":1515,"text":1516,"component":542,"openInNewWindow":558},"c605a6e9-dbf3-409c-b254-943f45af5f1c","https://www.unbiased.com/pro/discover/trends-insight/esg-investing-what-do-your-clients-need-to-know","ESG investing","Related articles","app-links-list",{"_uid":1520,"title":1521,"plugin":1522,"og_image":12,"og_title":12,"description":1523,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"c7473e45-9d49-4650-b301-e98f8872465d","DIY investing: what is it, and is it right for me? ","seo_metatags","Wondering if DIY investing is the right choice for you? Discover more about the growing trend and why it might not be as good as it seems. ","app-article",[],[],"This article will take you through everything you need to know about DIY investing and if it’s right for you.  ",[],"diy-investing","discover/investing/diy-investing",50,[],365491304,"18c2e9c3-d28b-4da3-947b-ee24748048e3","2024-01-16T15:58:18.460Z",[],{"left":727,"top":727,"width":1538,"height":1538,"rotate":727,"vFlip":543,"hFlip":543,"body":1539},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1541,1544,1545],{"title":1542,"exact":558,"href":1543},"Home","https://www.unbiased.com",{"title":282,"exact":558,"to":295,"disabled":543},{"title":750,"exact":558,"to":1546,"disabled":558},"/discover/investing/diy-investing",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1548},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777712164316]