By Arjun Sarkar, Chief Evangelist of Finanswer

If you knew of an investment strategy that accounts for 90% of your returns how much of your investment time would you allocate to it? I am assuming the first answer that came to your mind was definitely above 50%. If my assumption is correct then why do majority of us spend less than 10% of our time on this important element?

There are a lot of ways you spend your money, be it rent, groceries, utilities, dining out, laundry, subscriptions and yes of course shopping. So the question that you may ask is how should I go about budgeting for all these expenses? More importantly, what is the benefit of doing such an exercise?

I don’t know about you, but when I started working, I just thought about where I can spend my money. Actually, the only time I thought about saving money was in the month of March.

I recently came across a question posted on Quora by a 29 year old. The question was where should one invest their savings to secure their retirement? It is heartening to know, that young professionals have already started to think about retirement well in advance.

At a very basic level, we can grow our wealth by either saving more money or making more money. One of the most popular ways that salaried professionals save in India is by investing in tax saving instruments.

There are facts and then there are opinions. “Sun rises in the east” is a fact i.e. it does not matter if you were born in India or the US or if you were born in the 20th or the 21st century the fact will not change.

Our Company’s founder Arjun Sarkar recently answered a question on Quora from a 23 year old asking, What’s the right place to invest? That got us thinking on what kinds of investment should be pursued and what should be avoided.

Before we get to the topic at hand, an important question to consider is why are you investing in mutual funds. The objective and the time frame to achieve the objective must be absolutely clear.

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