Strategy. Give 50% to the professionals and build it if my 50% under performs. Build 2 pf. Confident and speculative. The confident pf stocks move into my margin loan over time. Lending MUST be below 20% and paid down to a maximum 5% before more stock is accumulated. Speculative stocks are also a long term hold. All stocks are bought with an initial small amount to be built on or sold if wrong.