Watch the fees, as this is an immediate subtraction from investment return. Unicorn, to offer any comment, it's important for an advisor to know your age, your attitude toward risk, the totality of your investment assets, and your complete balance sheet (which includes real estate you own, mortgage and credit card debt, etc).
Let's face it, since the crash any idiot could make money in equities. All you had to do was be there. Investment performance since then has been above-trend. If you believe in math (as I do), then at some point we will have a period of sub-trend investment return...and maybe a prolonged period. The idea of "return-free risk" is sobering and real. I suggest shifting your investment mix to lower percentage of equities, invest only in vehicles that you understand, clean up your balance sheet, and challenge yourself to increase your personal savings rate. Over the past number of years, cash was a default asset. Prospectively, I think cash will become a viable asset class in and of itself once again. Modest returns (i.e., low/mid-single digit) beat many other outcomes.