I would say, there is logic in your way on investing. Taking recommendations as basis and adding your own insights, if you think this will lead to a better outcome rather than investing in the recommendations when they are given. On the other hand, depending upon the trust of advisors’ knowledge and overall judgement, you can simply rely on their calls, and not waste any time knowing about their recommendations, and have a separate PF of your own.
And I am sure, after spending a few years with any advisor, we get to know their style, their substance, their limitations even, so it is not hard for us to choose the approach we should have for their recommendations.
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