No investment strategy can be a one-size-fits-all solution. At the Daily Journal Corporation (DJCO) annual meeting on 16-Feb-2022, the 98-year-old Charlie Munger answered questions:

I don’t think I have a one-size-fits-all investment. I think some people are gifted enough that they can invest in hard to value difficult things. Other people, I think, would be very wise to have more modest ambitions in terms of what they choose to deal with.

So I think you have to figure out your level of skill or the level of skill your advisor has and that should enter the equation. But to everyone who finds the current investment, climate hard and difficult and somewhat confusing, I would say welcome to adult life. And you’re thinking the right way. Of course, it is hard.