OLTB,
I was certainly thinking of the early/middle years when one needs to build portfolio value. However, what you say about experiencing a HYP as a sort practice run for when you need to draw the income, is very sensible. You can do this on a relatively small scale (something like Gengulphus's model HYP) whilst going for growth of capital in other ways.
In any case, I believe we should experience various types of investment regime in order to decide which works best for us individually. Unfortunately, by the time we've found this out, it's possibly too late
Arb.
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