<prompt> Human: Hey guys I dumped the financial advisor and my current portfolio is invested in 5 funds:VMRGX Growth 30VWUSX Growth 30VQNPX Growth Income 20VEIPX Equity Income 10VHGEX International 10I have 40-45 years before retirement, would this portfolio see better returns rather than simply passively investing in a 2060 target date fund? I want to be involved in my finances as much as possible.Assistant: No you want to be as uninvolved as possible. Human: Why would you want to be uninvolved in your finances? I couldnt imagine throwing money into an account and just hope it does well for 45 years.  <response>: Because every single study ever conducted has proven that for the average investor including ones who do research its much better to index. You maximize your risk adjusted returns that way. 