It is important to be financially secure for ones future and for your families long term well being. While this is not a recommendation for proceeding on a materialistic drive, but a realistic goal. Over the last 5 decades, the best return for our hard earned money is without question by investing in equities. If one has held on to good equities for more than 5 years in any period, there has never been a period of negative return ( the key is to hold for more than 5 years). Hands down this method has beaten all other investments in banks, CD, government bonds, PPF, KVS etc. As you grow older, then the equity component should go down and moved to income generation investments.

It is time for your hard earned money to work hard for you !!!

Bharesh Dedhia