Most people have what it takes to handle their own investing and personal finances. For more words of encouragement, see Why You Can Do It Yourself . Admittedly this doesn't apply to everyone.
Some people lack the time or desire to take charge of their financial future.
Nevertheless, there are very good reasons to do it yourself. Foremost among these is the fact that out of all the people in the world, the one who is most likely to put your interests first is yourself. Now We say this not just to discourage procrastination, but because an early start can make all the difference. In general, every six years you wait doubles the required monthly savings to reach the same level of retirement income. Compounding is a beautiful thing.