There are two aspects to goal achievement, time and value. It could be that you have achieved the amount you earmarked for a particular goal, sooner than envisaged or it could be that you are close to the time you carved out for the goal.

Knowing the reality behind these fallacies can help you achieve your various financial goals.

Commercial estate tends to be more lucrative than residential, something that is not lost on most NRIs. But is it truly a good investment?

We truly believe that there is no better way to build wealth, because in the long term, markets bounce back. A quick look at history’s worst market crashes will show you this.

At the moment liquid funds are delivering an annualised return of 5.5%-6%. This is lower than the 6.5%-7% seen a year ago. However, it is in line with the downward trending interest rates in the economy. If you are feeling disappointed with these returns and think that its better to move to a higher return fund or leave money in the bank itself, first read through the points below and then decide what to do.

Ideally, you shouldn’t be concerned about portfolio returns every now and then. Of course, in times of extraordinary market movement, you will want to see what happened but, looking at your portfolio returns too often can be detrimental too.

The recent recovery in market prices, might signal hope, however historical experience has taught us that bear markets can continue for much longer. What’s important is the need to take this period as an opportunity to build future wealth, rather than letting fear take over.

How much longer do you need to be invested for long term returns to look reasonable? How long should a long-term portfolio continue for?