"you take a look how it works, you would find out it is so easy if you want to do it by yourself. The fund use bond/stock index funds to achieve the balance. for certain age, there is a certain ratio between different investments. And the fund charge you higher fee than a index fund. "
I want to do it by myself. I still didn't find the door to enter.
Hope you bring me in a little bit and then I will feel comfortable to do by myself.