I think you are now thinking on right track. Above is a “Bingo” realisation. Biggest issue with long term stock investing is if and when you need to sell for any medium term goals. Unless we have a strategy for that, we would be more often wrong in sell decisions which will impact long term CAGR badly. Even if we have a strategy in place, we would know only in hindsight about its flaws and it will take multiple medium term goals to refine the sell strategy. IMO one of most difficult test and kills purpose of long term investing…
So MF wins big time here…I also have this task of readjusting allocation between direct equity and MF as per medium term goals target as currently my MF allocation is way below some near/medium term goals…most difficult task at hand I feel as I have been mostly wrong on all my prior sell decisions, baring few exceptions…hence have been delaying this readjustment…can’t say if and how I do it …
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