Sensex has returned 18% a year in the last decade

If you stayed invested, you would have made huge returns. But few seem to have the courage in bad times

A majority of the households are a worried lot these days. Monthly budgets are getting stretched and even after consciously making efforts to avoid any additional expenditure, the outflows are exceeding set targets. For the last few years, retail inflation in India has remained within the 8 to 10 per cent range and is not showing any signs of reducing in the near term. Thus, with shrinking surpluses, saving for long term goals like retirement continues to be a challenge. Even, today, for most investors, Fixed Deposits (FD) seem to be the most preferred avenue to park the funds for ...