The allure of stock returns could make one think beyond the objectives. It is hard to sell even one has a gut feeling, and when one is reasonably sure of growth because he has gained some experience in the market, selling a stock PF, even if it was created for goals, is more difficult. Easy to do this with MFs was my point, the returns will not surprise us, and one can have a separate stock PF, which can be managed any which way one deems fit.
Of course, these change from person to person, one can have a stock PF and can always sell the necessary portion of shares to get the corpus required.
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