I'm on SSD disability due to intestinal radiation damage from cancer treatment. I need to supplement that income by investing a moderate portfolio. I recently went all cash because I had been in the same mutual funds for 8 years and want more control over my investments. I like the idea of ETF's and I'm leaning toward using the Ivy Portfolio. I have alot of anxiety when the market reacts to various news so going all cash when the market slips is appealing to me. My anxiety is based on the past crashes in 2008 and 2011 that I rode thru and did not and should have sold out of. I have the funds, time and intelligence to learn about investing and due to my health problems, I am now forced to face my anxieties and learn how so I can sleep at night.