Hi all, I have for the last few years floundered with failures and severe stress in investing in shares and property and P2P lending, especially now with COVID19. I am medically retired and was given a lump sum to live off in 2016. I cashed out my Superannuation so it would be enough. I have invested in DIY portfolios - Panic sold 2018 albeit still with a profit. Then I joined a DIY share trading platform service that offers education on their strategies and their share analysis. This time thinking with the supports in place I was better prepared. Things went really well in 2019 but COVID19 in 2020 the crash came and I panic sold again a large portion and lost a ton of money. The sort of amount that will make you cry for days. I invested leftover capital plus spare cash into a managed fund. But, not sure if it was a good decision. As I have now discovered, a lot of the large managed funds are quite passive, other than some stock specific adjustments. Otherwise your funds go up and down like a cork in the ocean with little profits. And profits are what I need to get me over the line to self funded retirement and prevent capital erosion. I have noticed there are actively managed funds that go all in, buying and selling shares, pulling everything or part into cash to protect a lot more profits and re-entering at the bottom of pullbacks. More technical trading. Fees are all pretty high. DIY share trading is also fraught with huge dangers as emotions are included and decisive action needed in highly stressful times like now. Selling out of positions is not easy when they are at a loss. I just freeze with indecision and panic. Hence why the majority of DIY share investors fail. Even with what I thought were better tools to help me. I did have ETFS before I sold (VAS and VGS) in the crash which provided nice dividends and although slow movers, did okay. The fund managers and others talk of the 'ETF bubble' and how ETFS are not the best investment choice. I have been told by a past friend who was very wealthy anyway, that he had a broker who bought and sold options for him and that he was making a fortune out of that (cannot find the name of who he was using and have no idea who does this and if it is a good thing?) Are there brokers or advisers (maybe called something else) that take custody of your money and put it to work other than the usual managed funds such as in derivatives? I am realising that I am spending a hell of a lot of time worrying, lost sleep, and no life as I daily watch the ASX markets, then out of sheer worry am up at night watching the NYSE DOW and the S&P500, as well as the futures markets. And i am so confused as to where to invest. All I want is to get good growth of my remaining money and an income. So I can improve my life, afford to buy things, live in a better place and have time to enjoy living. Right now, my whole life is worrying about the share market 24/7 and my other investments. Is using multiple managed funds an option (diversify in funds?) Would love some advice or recommendations. Wish there were decent advisers who could tell you what to do other than all the wishy washy "I cannot give you financial advice" rhetoric that leaves me floundering and more confused and worried than ever.