你们讲的是401k里已经做的。The risk you are taking in 401k is passive investing risk. 加上你要付三十年管理费。加上有些基金不把股票分红给你。
在401k之外，何必做同样的事情？
在401k之外，我不投指数，也很少投ETF。l am taking different type of risk. Lol...
In different portfolios, l like to take different type of risk. If they are all the same, you are still put everything in one basket.
