<prompt> Human: Am late 30s...Ill put 5 of the 70 into high riskreward specifically Ethereum Bitcoin but the remaining 65 Im unsure how best to slice up...Buy and Hold with ETFs like VOOVEU or something more active like GMOM or PTLC to limit downside risk if market crashes...any advice?Assistant: Why isnt your advisor adivising you on this?Human: They are, basically suggesting low cost index fund etf - buy and hold. VOO or IVV. Seemed a little too vanilla, Ive seen some interesting strategies using active etfs like GMOM PTLC to limit downside over time...wondering if anyone has built a better mousetrap...  <response>: No, no one has built a better mousetrap. Everyone would know about it if they had. You should not work with an advisor whose advice you arent willing to take. It sounds like your is decent though, and you should probably just be listening to them. 