• Protection of your savings requires returns to be at least equal to interest rates
  • Interest rates are at historic lows
  • Academic research has consistently shown that over the long run equities outperform other asset classes
  • But equity investment is risky and has to be made in a smart way
  • With mutual funds you don’t have control over your money.
  • You need something that gives you control and also replicates stock market returns

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