Midcap and small-cap stocks outperformed in 2024, stealing the spotlight. The Nifty Midcap 100 index has surged 23.2%, while the Nifty Smallcap 100 index is up 23.6% so far in the current year.

In other words, by this math there is a 10% chance that you will run out of money after 30 years - around about the time you're in your 90s, or maybe just turning 100. A perfect time for a third ...