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?

With the scenario worsening, there is one question on top of every mutual fund investor’s mind – Is it a good time to invest?

The Indian markets have reversed much of the recent gains seen till February, rather quickly and you may have seen your gains made over the past years shrink in a matter of days. And that makes you wonder what will happen to your money?

Often charity is considered from our leftover funds, but you can just as easily convert that into a goal. Use the same concepts of wealth creation, start early, and stay for long periods.

There are many such examples of risk-return trade off which we make consciously in our daily lives. In investing too there are varied types of risks, to achieve your return you have to know which ones to take and which ones to avoid.

To know how you measure up on the investing behaviour graph, see if you conform to behaviour aspects given below.

When you do the numbers, the case for starting early becomes even more compelling.

The traditional thinking remains though. Most of us are still buying financial products first without really thinking about the utility.