Just a question for the most established members on Macrumors. At what point does it pay to have a professional handle your money as opposed to just keeping it in a high yield savings acct (5.05% [currently 6%]) with HSBC? Is there a magic number where the benefit outweighs the costs/risk? I am trying to make this decision right now and am wondering if I'm even on the right track. Thank you in advance for the responses!