Yes

Hi Ian, it's a great question. The reason I don't recommend this is because the philosophy I use for investing is to protect clients investments from falls and then look to grow them. Clients are doing the hard work of making the monthly contributions/selling businesses they built and that is where a significant part of their wealth comes from, the added performance is always great but is far from great if now turns out to be the wrong time to buy. If they want to manage some/all of their investments this way, it's not my place to stop them. I will just point out how much is needed to live the life they want and do the things they want to do and make it tax efficient along the way. The story I point out to them to demonstrate the risk is that it took Microsoft 15 years to recover after 2000 which was on the back of several major changes in core business in those years. If the radical changes had not been made/not successful, then Microsoft could have ended up like Cisco and only broken even over 2 decades later. Ultimately it is all about how much risk you can stomach and see on a valuation of your investments. If you can stomach it then yes you could get where you want much quicker or live much better for it. You just have to be able to live with the consequences of it when your portfolios falls 40% like in 2022 and have the belief that it will recover.