Ask yourself the following questions. If answer to any of these questions is ‘no’ or ‘do not know’, then you certainly need the investment advices of a professional:
1) Do you have enough time and expertise to manage your personal finances?
2) Do you understand all the financial products and the complex terms and conditions associated with those products?
3) Do you conduct thorough research before investing in any financial instrument?
4) Do you monitor and rebalance your portfolio on a regular basis?
5) Do you take rational decisions and are able to control your emotions while taking investment decisions?