IMO. Depending on your investing style. If you are going for broad base index fund and wish to have a better entry point - the top down approach is more important. Macroeconomic set the overall market position. Bottom up is more towards individual stock picking.
I will spend the assurance package money this year by investing in myself with more investment knowledge. Explore further complex option techniques and use the Tiger app function to execute those complex option trade to further more investment returns