Utilizing the time means making it more productive. We can make it productive by doing quality things in between. But the question is whether the quality thing is enough. Certainly not. The difference here is the degree of concentration. Being more focused irrefutably bring better result.
Expecting return a way more than the index average can be of greed influence. Index do gives a handsome return that sometimes even surpasses majority of the stock performance. But it is also true that index may stands still for some years. Yet in the very long it is way better than FDs.
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