[Thremp]

Meditate,

I think you aren't beating index funds on a risk adjusted basis and are exposing yourself to a large amount of non-systematic risk purely from a lack of knowledge.


gull,

I don't see why either. If you feel you need ~3 hours per week to pick one winning stock, and are only able to spend 10 hours a week... What would be wrong with straddling the fence? And shouldn't we differentiate retirement funds from discretionary income (Of course, but rarely stated on this board)? Why not use your discretionary funds to pick stocks before delving into money that is earmarked?