Investing carries risks, including market fluctuations and the potential loss of capital. However, risks can be managed by:

• Diversifying your portfolio across different asset classes through smart asset allocation
• Aligning investments with the time horizon of your financial goals
• Using SIPs to practice investment discipline and benefit from rupee-cost averaging
• Avoiding over-concentration in a single asset class or sector

In today’s time the risk of not investing is greater than the risk of investing. When your money does not grow at a pace that matches or beats inflation and you face a period without active income (due to retirement, job loss, or launching a new venture), the financial consequences can be significant. However, when your investment choices are aligned with the time horizon of your goals, much of that risk is reduced. Historical data shows that long-term investments in well-diversified mutual funds, including equity and commodities, have consistently delivered superior returns.