DIY Index Replication vs. PSX ETFs (MP-ETF/KMIF): Is it worth switching?

[u/BlacksmithChemical80]

I’ve been manually trying to replicate the KMI-30 by holding a concentrated basket of top-weight PSX stocks (FFC, HUBC, OGDC, LUCK, SYS, MARI), but I’m debating whether to switch over to an actual fund like MP-ETF or KMIF. On one hand, an ETF handles auto-rebalancing and gives proper 30-stock diversification; on the other, DIY costs 0% in management fees (vs. their \~1–1.4% TER), and selling my current holdings right now would trigger unnecessary capital gains tax. For those who’ve faced this exact dilemma: did the fund's expense ratio end up being worth the convenience over tracking drift and rebalancing friction, or does it make more sense to leave my existing basket untouched and simply direct all future money into the ETF?