Every golfer has their favorite club. That one club you hit better than any other. From time to time we hit every club well but there is that one club we hit well consistently. When a golfer learns which club they hit best, it makes sense that they try to leave themselves in position to use it whenever possible.
It is much the same way with financial products as well. Some people like real estate, others mutual funds, others stocks and bonds. Regardless which club is your favorite the important thing to remember is that you need to go with the one that you feel most comfortable. Don’t let someone talk you into something that may be working for them but makes you feel uncomfortable. Find what works best for you.
We have all played a round with a player who used a 3 wood on a par 3 when everyone else was using 5 irons. We missed and they are putting for birdie. Makes no difference how you get there. There is no place on the score card for which club you used.