DTSH88, you're doing the right thing in wanting to educate yourself. I was in a similar situation before I decided to take control of my portfolio.
I also use an asset allocation approach like Oraclematrix and I recommend you read "Asset Allocation Balancing Financial Risk" by Roger Gibson. You can pick a copy up from the library - library code is 332.6 GIB. There's several editions as it's been updated over the years so get the latest one available.
If you're interested I run an investment club. It's free to join and there's no central pot of money i.e. you make your own decisions on investing your own money.
Main focus: Long-term investing
Purpose: Learn to make money through investing
Method: By learning and sharing experience, opinions and knowledge
For more details:
Read More
Message me if you're interested in coming along to a meeting.
Oraclematrix, could you PM me the name of the free software service as well please?