There is a great video I have seen in LCF where he talks about Insurance Investment Retirement Tax Estate Planning Although I may not agree to all points but it is actually quite good and all points presented professionally. Some of my pondering points 5-6% investment cost is NOT LOW Actually whether an investment cost is low or not is always relative. For example, if you are paying 20-30% to others to manage your portfolio then it is lower to find one that is 5-6%. Likewise, paying 1-2% fee when you manage your own investment is common. So it is really a matter of your money vs your time. If you pay more fee, you would expect better services just like any other things in life. Thousands of saving on tax can be compounded to millions While its true you could save on tax but usually its not in a huge magnitude. To save thousands in tax, you probably have a certain amount of much bigger income to start with. Its more toward FREE money vs ignorance . You could just save those e