The economy has changed and if you do not take charge of your financial decisions
with proper guidance, you might just be robbed of your returns and be paying unnecessary fees that will just churn your money off with time, seriously. Do you remember what happened when the recession took off in 2008? Things did not make sense and people's returns went down. One of the reasons could have been that you got wrong advice from the wrong people who invested in wrong things for you because quite frankly they did not know what they were doing. They were just interested in earning fees from your investments. This is how most advisers earn a living. Now, does that mean that you should not use advisers? Absolutely not, you just have to find people of integrity who have your best interests at heart and where there is a win for both parties involved.
So what is wise investing? In my opinion it is taking responsibility for your own decisions and getting educated as far as possible with honest and correct information. It is getting advice from credible advisers. Are you ready to take charge?