@prateek Hi, I too agree to your point that in mutual funds: the more time you stay invested, the probability of good returns increases. In fact, I believe that one has to stay calm, not to panic on market lows and wait to cash in better results. Its normal human tendency that once market is low, we start withdrawing our investments. But, I think a bit differently, one should wait a bit, analyse the market trends and try to lower losses. For a salaried person, I think starting a SIP in mutual funds with a small amount can be a great idea. That doesn't burden his pocket plus he doesn't need to dive directly in stock market. So, dual purpose is solved. What do you think?