True that.
Again, for a retail investor, how do you figure out optimal design? Is it sectors, weight caps, or a blend of styles? If you study even some of the literature, everyone suggests and guides differently. Again then it becomes an hodge-podge. Frankly it is better to tune out the entire noise and build conviction by yourself on what drives you emotionally.
For eg: If I’m a nervous investor, it will not make sense to have high beta names and vice versa.
Another concern about adding Mutual funds is fund managers’ total lack of honesty regarding allocation. A key reason I have only one mf where I do sip. I don’t know why I wrote all this here but just thinking about it.
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