I know some of you invest directly into the sharemarket overseas or local and some of you invest in unit trust.

However I'm curious on investors who does both.
For those of you who have both, how would you benchmark unit trust performance against your own investment.
Do you consistently beat unit trust gains yearly or do you find it a mix performance? Do you find the extra effort monitoring your own investment worth it or do you find it easier to just dump into a unit trust fund.