The Nifty had a strong year, up 30.4% for the year and the Scripbox equity portfolio did better than the Nifty, up 39.3%. This out performance, at 8.9%, is much better than the historical average out performance of the Scripbox Portfolio(over the Nifty) of 4.2%.

Abhay is a 35-year-old family guy who works at a small content management company in Bengaluru. He saves Rs. 10,000 every year. He started investing in mutual funds at the age of 25 and has managed to invest 10K every year, until 35 (for a total of 10 years). Due to family reasons, he is unable to save anymore.. and this little fund grows on its own without any further investments.

This is a quick thumb rule but your specific life situation may have unique needs. As long as your planned financial savings is at least 25 times your inflation adjusted expense requirement, retired life should be fun.

Equity fund investors are better off staying invested for the long-term to get the best post-tax returns

Following an excellent performance by our selected portfolio for 2013, we’ve completed our annual review and selected the list for 2014.

The recommended portfolio did better than 22 of the Top 25 funds by size; and better than 82% of money invested in equity mutual funds.

It really starts with a commitment to yourself that you will work towards getting yourself out of the debt trap. Having the belief and setting a realistic timeline to get out of the trap is the first real step.