First time I’ve seen this error. I like the idea of more flexibility.

Investing is hard, and choice sometimes doesn’t make you a good investor. Your bottom two investments can take out your top two investment’s returns pretty easily. I’ve had lots of learning.

Active or passive investment funds - I’m fairly indifferent, except passive largely means a top end index fund. I’m not giving advise. And passive investing like Vanguard started a low cost management fee revolution and the reliable returns were amazing at the time - it just turns out it’s anti-innovation and promotes centralisation of capital, undeservingly so.

At least in Australia, ETFs were a decent advancement because it dropped the cost of getting in and out of positions, and meant you could do it without a middleman or paperwork. They become like shares.