Lauryn it sounds like you have been on quite the learning journey! What really stuck with me from your experience is how important it is to question how our own investments are used, even in the absence of DIY portfolios (I barely can handle managing my bank accounts, I hear you on not adding more). Many of us have at least a stake in the pension space and so little is known and disclosed. Your journey is encouraging and I am glad you managed to find a way to make your fund choices align with your life!