You could rely on the so-called experts to make smart decisions for you. But experts often disagree with each other. That leaves you to pick the best expert, and thatâ€™s something you probably arenâ€™t an expert at doing. Look at the stock market. There are about 10,000 stocks. But there are 20,000 managed stock funds, the majority of which canâ€™t beat a stock-picking monkey with a dartboard. You have a 1-in-10,000 chance of randomly picking the best stock in the world and a 1-in-20,000 chance of randomly picking the best stock expert.