The only real answer I can give on this is - judge your Passion-level!
At times, even though we may underperform an index in any given year, we are so passionate about doing our own researches, understanding the world better, and hence connecting the dots in making our own decisions that we could accept sub-optimal returns in a short-to-mid-term viewpoint. Hopefully our passion makes up for that over the long term, through increased happiness in pursuing this journey (which may hopefully translate to outperformance over a long term)!
If the goal is purely the outcome, and to beat or match indexes, then the decision is usually easy - avoid exposure to direct-to-equities.
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