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The Importance of Repayment Discipline in a LAMF Strategy
Strategic borrowing provides liquidity without disturbing portfolio allocation.
Without discipline, LAMF becomes a "Debt Trap." Since many LAMF products are interest-only, investors often forget to repay the principal. In 2026, a Sinking Fund strategy is recommended: set aside a monthly amount in a Liquid Fund to eventually bulk pay the LAMF. This ensures the lien is lifted, restoring full portfolio power. Discipline turns loan into a tool; otherwise, it becomes a liability.