Ok so far the arguments against the OP just shows me that really there is no reason why they shouldn’t, all people are saying is MF is the best one to allocate to, so to me that says if ppl want to put it in other things they should be able to, even if it is perceived to be worse or some ppl don’t need it. Maybe some people do. It’s not asking to remove from MF and do the others instead so the ppl that would keep it as MF could.