Leisure, Lifestyle & Wellness
Rotavirus is the bogeyman to make money

Disease mongering occurs at a feverish pitch in the vaccination industry, one of the richest medical industries, mostly controlled by the Forbes’ list toppers in the west. Our best bet to avoid diseases is to strengthen our inbuilt immune guard, the healer within

“There is no logic to science. Scientists create and adhere to scientific theories for what are ultimately subjective and even irrational reasons. It can not be denied that the chief engine of human destructiveness has been the phenomenal success of science in the 20th century”—
Paul Karl Feyerabend, in Against Method written in 1975
 

Vaccination is a big business. While reductionist chemical drugs to treat diseases might have been a boon to the western pharmaceutical companies, vaccination has come as a windfall to them. The clientele for vaccination is the whole world of the new-born babies, a business that will thrive even if the whole of humanity gets rid of diseases. So the rich and the powerful are in this business—big names like Bill Gates, Gavi Alliance are no exception if one cares to read the findings of The Lancet investigations into Bill Gates’s so called charity vis-à-vis vaccines. Gavi Alliance lures poorer countries’ governments with subsidized vaccines when new vaccines are put out in the market. Once the vaccination catches up they naturally withdraw the subsidy making the governments pay through their nose to the greedy drug firms pushing that country deeper into the debt trap! Single dose rotavirus vaccine costs double digit dollars to buy in the regular market!
 

Corporate business thrives on profit as per the dictates of Bernard Mandeville, Adam Smith’s teacher, who propounded the theory that “corporate business should concentrate only on profit irrespective of consequences.” As long as pharma companies make money consequences are not their problem! Now comes the bogey of rotavirus vaccine for childhood diarrhoea in India. Thank God, the British Medical Journal, surprisingly, commissioned two Indian researchers, Jacob Puliyal and Joseph Mathew, to give their opinion on this new virus vaccine. Their paper is now published in that journal. I strongly appeal to all our doctors that have anything to do with vaccinations to read that article. One has also to read the opposing view in the same journal to know how we sell our ideas to the readers!
 

Our netas in Delhi, who worry about the health of their beloved subjects day in and day out, should get the article explained to them by people who understand what is written there. Sooner this is done the better as the powerful company will very soon lobby (not corruption) the Indian government dangling the Gavi Alliance carrot of subsidy to make Rotavirus vaccination compulsory. This is despite the fact that the mild diarrhoeal disease that might result from that poor virus could be controlled with rehydration alone if the Indian poor children could be given nutritious food for their much serious deadly disease NIDS (nutritional immune deficiency syndrome) to begin with. Millions of children in poor countries die of NIDS. But No. If there could be a vaccine for NIDS, I am sure all our above mentioned infracaninophiles (underdog lovers) would have come forward to push the same all over the world!
 

Rotavirus diarrhoea does not kill, bacterial diarrhoeas could kill. Even the deadly cholera could be controlled if we could keep up the hydration in the patient for long enough for the germ to get out of the system! In the west now adult bacterial diarrhoeas caused by such simple non-virulent strains like Clostridium deficile cannot be controlled by the most powerful antibiotics or vaccines and the patients die unless they are given clean SHIT from a healthy donor through the Ryle’s tube into the patients gut, nicknamed a faecal transplant. This effective treatment was in vogue in veterinary science since the 1700s.
 

The concept of faecal transplant teaches us once again that the future of germ theory is not vaccination and chemical drugs but strengthening our immune system. Faecal transplant does just that by replacing our gut, the headquarters of our immune system, with the friendly germs that keep us healthy. Germs are our friends and we have them in us even in our meta-genome where human genes are just about 25,000 while the germ genes like germinomes, virinomes and metabolomes are as much as two to three trillion. The germ theory of disease has been a bane for mankind but a boon for the drug and vaccine industries. The famous American physician of the early part of the last century, Theobald Smith, told us: “while diseases could be directly related to the virulence of the cause, they are inversely proportionate to the resistance of the host.” If only we could concentrate on the latter half of the Grimm’s Law healthcare would be very inexpensive and the need for vaccines, which are of dubious value anyway, and the expensive chemical drugs could be obviated.
 

I strongly recommend all doctors to read the above mentioned BMJ study by the two Indian experts for the good of mankind. While we have some “big” drug pushers among our fraternity in every metropolitan city, we still have the altruistic Puliyals and Mathews. Their study tells us about the futility of vaccination which is sold using the statistical tricks of Relative Risk Reduction (RRR) while suppressing the most useful Absolute Risk Reduction (ARR) and the need to treat a large number unnecessarily to get a very small good effect (NNT). The study also gives us the details of the enormous cost involved in making rotavirus vaccine universal in India, while the vaccine will be next to useless in Indian children. Statistics has been the biggest weapon in the hands of the greedy drug lobby to sell the ideas to gullible doctors. One would do well to read this small book, Science without Sense, by an American professor of statistics, Steven Milloy, to understand the hidden hand behind pharmacy claptrap.
 

The very foundation of the vaccination protection hypothesis has been now scientifically seriously questioned. An Australian worker, in his PhD thesis, has debunked the statistical science of vaccination success. If one has to have real immunity against any disease one must have that disease and survive. Provoking antibodies and measuring their levels in blood after vaccination is not synonymous with disease protection.
 

With an exception of the 1918-1919 Spanish ‘flu epidemic, the rest of the so called ‘flu epidemics have mostly been scare-mongering techniques and not real pandemics as is believed by the gullible public. In a nice editorial “Do epidemiologists cause epidemics? The Lancet asks and answers the above question positively. One could gauge the gravity of the situation from the abstract of a key note address by Glen Nowak at the 2004 “Flu vaccination summit” organized jointly by the CDC and the American Medical Association, where Nowak emphasized the need to create interest in and demand for flu vaccination all over the world.
 

An earlier Lancet review found out that ‘flu vaccines in infants are useless, if not dangerous”. Mark Sircus quotes Dr Eleanor McBean who was an on-the-spot observer of the infamous 1918 influenza, when he said, “As far as I could find out, the flu hit only the vaccinated. Those who had refused the shots escaped the flu. My family had refused all the vaccinations, so we remained well all the time.”
 

Disease mongering occurs in every field. In case of vaccination industry, one of the richest medical industries, mostly controlled by the Forbes’ list toppers in the west, disease mongering occurs at a feverish pitch. Every year at least twice the industry creates panic among the world populace. They have been successful in brainwashing even the governments in the third world countries that bend over backwards to help the industry grow rich at the cost of the poor taxpayers’ money. India is one such nation in the forefront of the vaccination bandwagon.
 

Like many other things in modern medicine we depend on surrogate markers! It is time we start thinking afresh in the field of human illness and wellness with the new quantum reality of the world where the human mind and the body are but the same. Although I have been saying for decades that quantum physics has changed medicine, it is only last month that The Lancet brought out a full issue on quantum physics which doctors will do well to read. Coming from the west it is more respectable compared with what I have been writing. The body is but a bundle of energy. Disease is altered energy pattern which could now be assessed with Fritz-Albert Popp’s bio-photon camera. Time has come to think of the new Post Modern Medicine about which I have been writing a new book.
 

Vaccine industry, in collaboration with the rich and the powerful, has been at its best in disease mongering. The germs are not our enemies but friends. Our life on this earth, along with trillions of germs inside and out with us, depends on our immune system. Our best bet to avoid diseases is to strengthen our inbuilt immune guard, the healer within. Ayurveda’s main thrust is building the immune guard. Poor man’s immune guard depends on three square meals a day and a clean surrounding to live. Let our powers be think of those first! Quantum physics has taught us how to destroy bad germs inside the system in case of need using energy waves. People are working overtime to find out the needed frequencies to zap germs causing diseases without harm to the body. David Wootton, professor of history in York University, in his classic Bad Medicine-Doctors doing harm since Hippocrates (Oxford University Press 2006), brings out graphically how over the years gullible doctors’ blind faith in the medical claptrap has been harming mankind. Most germ-related disease death rates touched the nadir long before any vaccine, serum or antibiotic was ever discovered, according to Thomas McKeown in his classic Limits of Medicine!
 

“Thomas McKeown was a rhetorically powerful critic, from the inside, of the medical profession's mid-20th-century love affair with curative and scientific medicine. He emphasized instead the importance of economic growth, rising living standards, and improved nutrition as the primary sources of most historical improvements in the health of developed nations,” wrote  Simon Szreter in the American Journal of Public Health in 2002
 

Even Louis Pasteur and Paul Ehrlich, the founders of the germ theory, eventually had spoken about the supremacy of the soil over the seed. Germ theory lives on scare mongering and the industry rides piggyback on fear of disease thus generated. Small pox is the only disease the medical world has been able to eradicate using a very low technique of Indian vaccination system taken to England by Dr TZ Holwell FRCP, FRS, after 20 years’ prospective study in The Bengall in 1767. Holwell’s original paper is still in the Royal College of Physicians of London library inside a glass case.  Edward Jenner was wrongly credited for his cow pox vaccine. Today we know that cow pox is totally different from small pox. Long live mankind in spite of the human greed.
 

  “Let us follow the truth whither so ever it leads”—Socrates
 

  “If you tell a big enough lie and tell it frequently enough, it will be believed—Adolf Hitler
 

To read more articles from Dr Hegde, please click here.
 

(Professor Dr BM Hegde, a Padma Bhushan awardee in 2010, is an MD, PhD, FRCP (London, Edinburgh, Glasgow & Dublin), FACC and FAMS. He is also Editor-in-Chief of the Journal of the Science of Healing Outcomes, Chairman of the State Health Society's Expert Committee, Govt of Bihar, Patna. He is former Vice Chancellor of Manipal University at Mangalore and former professor for Cardiology of the Middlesex Hospital Medical School, University of London.)

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Empower through Education

Udaan India Foundation believes in providing equal opportunity through education to children from disadvantaged backgrounds. N Madhavan and Aditya Govindaraj write about how the Foundation is making a difference

Did you know that 37% of global illiterates live in India? According to latest Global Monitoring Report, a whopping 2.3 million Indian children have never been to school. The future of the Indian economy hinges on our young population; most of them are poor and unskilled. They do not get what they deserve—their fundamental right to education; access to quality education remains a dream. Our country has the dubious distinction of having one of the highest school dropout rates and child labour levels in the world! Mumbai is no exception. Mamta Rangan, founder and trustee, Udaan India Foundation (UIF), followed her belief  that ‘education is key to change’ and set up Udaan in 2004 to help children of construction workers to enrol in mainstream schools.

Udaan, a project that started as an informal initiative, is now a registered trust with 800 students, 15 full-time teachers and over 25 volunteers under its wings. Most children who come to Udaan are from families with little or no formal education. Education is not a priority in such families; it is commonplace for children to drop out of school to contribute to the family income. Udaan is sensitive to the fact that the girl child is usually the worst victim of poverty and, often, forced to drop out of school. Hence, UIF pays special attention to the girl child—evident from the girl:boy ratio at their centres.

A child’s journey at UIF begins with the Kindergarten programme and continues through the learning years, steadily taking her/him towards employability and a better life.
Udaan’s learning centre lays the foundation of a child’s holistic development and imparts learning that ranges from the scholastic to the co-scholastic. Beyond this, children are guided, mentored and provided financial support on an equal opportunity basis, to meet his/her true potential. To open the world of books for children and supplement their language skills, UIF runs a community library that implements the ‘GROWBY’ reading programme of the Hippocampus Reading Foundation. Children are taken through a structured programme to become confident and eager readers. Under the guidance of qualified staff, the library brings relevant and meaningful literature within the reach of children who cannot afford to buy books. Udaan also has a computer centre that provides computer literacy to children. Through a defined curriculum, students from the eighth grade onwards undergo training in basic computer skills and learn the use of Internet which will equip them for skilled jobs. Udaan, through its work, hopes to see a perceptible change by way of increased enrolments in schools, decrease in school dropout rates and better job opportunities for the underprivileged. But, beyond that, Udaan aims to groom children to become confident young adults equipped to tackle various challenges in life.

Udaan welcomes volunteers to engage in a range of activities that include teaching, assisting the Saturday Club activities (such as art, music, drama and sports), managing events (like Annual Day, Sports Day), reading at the community library, organising health camps, field trips and fund raising. You can also be a part of a child’s journey by donating to Udaan. Your contributions wouenrld help Udaan-supported children realise their dream and help it reach out to many more children in need of quality education. All contributions to Udaan India Foundation are tax-exempt under Section 80G of the Income Tax Act. Payments can be made by cheque, favouring Udaan India Foundation or by remitting HDFC Bank account no. 02392000004643.

Udaan India Foundation
2202, Odyssey II Hiranandani Gardens, Powai
Mumbai - 400076 Phone: 022- 40000392
Email : [email protected]
Website: http://www.udaanindiafoundation.org

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Why people lose money in mutual funds

The majority of the investors buy when the market has already run up and is valued expensively. This often leads to disappointment when the market either goes down or sideways for years. If you avoid doing what others do and invest regularly in top fund schemes, you can easily make money from your mutual fund investments

Indian equity mutual funds have delivered excellent returns over the past 10 years or so. Their returns on a point-to-point basis may not have been great but investing in top funds through Systematic Investment Plans (SIPs) would have delivered good returns. And yet, over the last six months more than Rs10,000 crore has flowed out of equity mutual funds. Many are selling because they have made losses or meagre profits? It has been the same story in previous market cycles. Why do investors lose money in mutual funds? The main reason is that they put money into equity mutual fund schemes at the wrong time. In an interview with CNBC-TV18 on Friday, Prashant Jain, chief investment officer of HDFC Mutual Fund, said that “almost 80%-85% of the equity mutual fund inflows came in when the market was highly valuated at a price-to-earning (P/E) ratio of 17-18. This is one of the reasons investors tend to get disappointed when the market declines subsequently and it becomes frustrating for investors to hold on to their investments. So, when the market finally rises, after they have broken even or made some money, they pull out their investments. Therefore, we never see inflows at low P/Es and when the market begins to recover.”
 

Read about the outflows from mutual funds in November 2012 here.
 

Getting their timing wrong or going in and out of their investments is not limited to Indian investors. It is the same story in the US. One of the most widely cited studies on investor behaviour is a study by DALBAR, a research agency. DALBAR’s Quantitative Analysis of Investor Behaviour compares the investors’ returns against market returns. The most recent DALBAR study found that in the 20 calendar years ending in December 2011, the Standard & Poor's 500 Index had a 7.8% compound rate of return. In the same period, the average investor in US equity mutual funds earned just 3.5%. Even in the five-year period ending December 2011, mutual fund investors went in and out at the wrong times, resulting in inflows when the market declined and outflows when the market rose.
 

When it comes to systematic investing, the study showed that for the 20-year period the average equity investor earning $9,853 against a systematic investor’s earnings of $8,665, for a total investment of $10,000. This just the second time in history, since 1994 when the DALBAR study was first published, when the average equity investor outperformed the systematic equity investor. The average systematic fixed income investor overwhelmingly outperformed the average fixed income investor over the twenty-year period by earning over four times as much.
 

Buying when the market is rising and selling when it is down is true of every investor in every country and every period. Here is some information Thomas Gibson’s classic investment book titled “The Facts about Speculation”, published in 1923. Gibson found analysed around 4,000 accounts (a high number in those days) and states, “The most glaringly apparent cause of loss revealed by the investigation of these accounts was the almost universal habit of making purchases at high prices after a material rise had already occurred. This error is of a wholly psychological character” (emphasis ours). Fast forward almost 100 years later, it is exactly the same.
 

Gibson found out that majority of the investors bought right at the top of the cycle, with the average price of all purchases being within about 4 points of the extreme high. The price and value disconnect is so great that few investors pay attention to fundamentals and recognizing value and were solely focussed on price action. He found that 90% of the investors who relied on charts and other mechanical systems suffered losses. Investors usually bought on slight declines from high prices and sell on slight advances from low prices. This is a classic losing strategy.
 

Another folly, according to Gibson, is impatience. It is pertinent to note that humans are a fickle lot and overreact when markets crash (especially when it has been purchased right on the top). When the market is rising, everyone rushes in—investors, mutual funds, advisors and so on. Advisors erroneously tell investors to buy. Investors get carried away instead of thinking hard before putting bucket-loads of money into an investment.
 

The way to address this is to invest regularly, which is technically called SIP. While SIPs can sometimes lead to negative returns over a long period of time, over longer periods the number of periods of negative returns reduces (Read: SIP Smartly) Systematic investing also helps to navigate volatile markets and negate negative returns. Take a look at the returns over the past five years ended November 2012. Had you invested Rs20,000 in an index fund based on the Sensex in November 2007, your investment would be worth just Rs19,976 at the end of November 2012. The Sensex has moved nowhere from the start of November 2007 to November 2012. A quarterly systematic investment of Rs1,000 over this period would be worth Rs24,838, up 24.19%. Therefore one should not undermine the benefits of systematic investing and should continue even through the volatile market movements. However, according to the recent Computer Age Management Services (CAMS) data we have seen many investors exiting their SIP accounts before completion of the tenure. Net SIP registrations have been negative each month from April 2012 to September 2012.

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COMMENTS

uttam

4 years ago

PLS WRITE ABOUT lic RETURNS AS WELL.
THNKS

Suiketu Shah

4 years ago

I would advise readers not to invest in mutual funds.There are so mahy nfunds that for a layman its impossiblre to figure out which suits him and the rtight time to buy.Most relationship managers of Mutual funds and their agents are untrustworthy (thertein lies the cruz of the problem of the MF industry) and just want to achieve their target come what may.

If one of looking for investment from a longterm point of view there are enogh good share scripts and for short term FD's is very good.
Also if one if knowledgable,MF is a waste of time as the real returnes start coming anly after 5 yrs in which time ,if you have put money in the right shhares chances are returns wl be much much more more.

Chetan Shah

4 years ago

In reference to the discussions between Mr Nilesh and Mr Rajeev, I would like to add that those people who have a good knowledge in direct equities and has the capabilities of doing deep reasearch can make much more money by investing in direct equities but for a lay man it can be hazardous and we have seen that in the past years (and will see in the future too). For them a well diversified equity fund can give a far better return than PPF. Compare the SIP return of PPF and Franklin Prima Plus for 15 years and see the difference. If PPF has given a return of 7.78% compounded yearly, Prima Plus has given a return of 23.6%compunded yearly over the same period of 15 years. If some schemes have not given a decent return, its unjust to blame the MF Industry as abad investment avenue. In fact Equity MF is the best avenue for investment for a person who wants to invest in equity but does not have a very good hold or knowledge in the equity market. I have seen many investors making many folds in Equity MF over a period of 10 years and more. Time and patience in the volatile market is the only mantra needed in equity and equity related MF's.

Rajeev Kapur

4 years ago

ITC monthly closing prices since Jan 2007 till Nov 2012 shows 235% increase in market value of shares. With 1:1 bonus and dividends calculate SIP of 10000 per month for 71 months and you will think twice before you
invest in a MF again!

REPLY

Nilesh KAMERKAR

In Reply to Rajeev Kapur 4 years ago

Why ITC . . . Why not TTK Prestige or Bosch or Wockhart. Your SIPs in these cos would look even better.

spare some time Mr. Kapur and see this link too http://moneylife.in/article/indian-retai...

Rajeev Kapur

In Reply to Nilesh KAMERKAR 4 years ago

Thanks Nilesh. Read the report. Highlights very important reason for the investors losing money- selling the winners and holding on to losers. The figures for the MF investors would be similar for the same reason.

Rajeev Kapur

4 years ago

Monthly closing prices of Colgate since Jan 2010 till Nov 2012 show that SIP of 10000 would have resulted in 49% gain. Add dividend to that and compare it with the best MF SIP and decide for yourself how the investors are being taken for a ride by MF Lobby. Do not invest in more than one or two MFs - that too for diversification. MF industry is the biggest fraud on investors - it is manipulated by big fund houses and mega investors .

REPLY

Nilesh KAMERKAR

In Reply to Rajeev Kapur 4 years ago

How about calculating SIP in Colgate for a decade when Colgate stock prices did nothing, did not go anywhere . . . ditto for HUL.

Yet there's no denying the fact that those who can 'successfully' invest on their own have no reason to invest in MFs.

But, the Study done by ISB shows 90% of Indian investors lose money in the stock markets.

Rajeev Kapur

In Reply to Nilesh KAMERKAR 4 years ago

Market value of Colgate in 10 years from 2002-12 increased by 760%. - not adding the generous bonus in all these 10 years.

Did ISB study mention how many MF investors have lost their money?

Rajeev Kapur

4 years ago

Individual investment in stocks will give better results than any MF as one does not have to pay for the fat salary given to the portfolio manager, does not incur the turnover cost of scrips in MF that is done when faced with redemption pressure and the commission paid to the distributors. Care is required in selection of stocks as much as it is required for selection of MF. There are a large number of MFs that have given poor or negative returns.

The article indirectly makes a strong case for PPF as its returns over 20 years would have been far superior than the 7.8% compounded return quoted. In fact with tax rebate included the power of compounding over 20 yrs in PPF would have given better than most of the MFs. Mr Prashant Jain knows this very well.

REPLY

Nilesh KAMERKAR

In Reply to Rajeev Kapur 4 years ago

Mr. Rajeev Kapur,

The 20 years performance figures quoted by you are not correct.

Here is just but one proof … Rs.5000 invested in Franklin India Prima Fund on 28th Sept 1994 has grown to Rs.105125.12 on 26th October 2012


Similarly request you to kindly check for yourself the 10 year plus performance records of other diversified equity funds and you shall find on average they have given about 17% CAGR for that period – which is double than the rate of 7.8%

Why mislead people? What is the agenda sir?

Rajeev Kapur

In Reply to Nilesh KAMERKAR 4 years ago

With reference to your comments : please read the excerpts from the above article in ML. You can decide if anyone is being mislead or misunderstood. " The most recent DALBAR study found that in the 20 calendar years ending in December 2011, the Standard & Poor's 500 Index had a 7.8% compound rate of return. In the same period, the average investor in US equity mutual funds earned just 3.5%. Even in the five-year period ending December 2011, mutual fund investors went in and out at the wrong times, resulting in inflows when the market declined and outflows when the market rose."

Nilesh KAMERKAR

In Reply to Rajeev Kapur 4 years ago

1) Why talk of US returns and blame Indian MFs while trying to make out a case for long term investment in PPF vs Indian equities via MFs.

Nilesh KAMERKAR

In Reply to Nilesh KAMERKAR 4 years ago

Correction the fund mentioned above is Prima Plus Fund and not Prima Fund. - Apologise for the error

Liju Philip

4 years ago

When Sensex dipped to 8000 odd levels in 2009 many of my friends bailed out at a serious loss. I kept buying and they refused to listen. 3 years later, that purchase at the low levels has really borne fruits for me.

Iam happy when the markets fall as it gives me an opportunity to buy more.

Suiketu Shah

4 years ago

I had a disastrous experience in MFunds in 2010 ( ml is aware of this) mainly due to the deliberate wrong advise given by investment advisor of a top corporate.We bought those MF in Nov 2010 when sensex was at its peak.

They took false advantage of my lack of knowledge.The result.We have blacklisated the company and got more knowledgable and donot need MFunds now.We have got quite knowledgable in shares.No wonder MF's lose out as their agents are just looking for "bakras" to get their 10% commission and target.They care a damn about when not to buy.

Mf industry is rightly receding due t its pathetic agents called "weath management advisors"

Rgds
Suketu

Nilesh KAMERKAR

4 years ago

The individual investor in mutual funds likes to believe, it is because of someone else that he has lost money in mutual funds – and the sacrificial lamb for pinning the blame of this investing failure, is most conveniently the adviser or the agent.

But, most of the times the cause of such loses is the investor himself. As Benjamin Graham, the greatest investor who ever lived said “The investor’s chief problem – and even his worst enemy – is likely to be himself”.

If you have discipline and PATIENCE, it is really difficult to lose money in mutual funds. But, somehow, a large percentage of individual investors seem to have mastered this art of losing money in mutual funds.

To be a successful investor, one does not need high degree of intelligence or higher qualification – What is required is Temperament. It’s a matter of character and not intelligence.

The chief reason people lose is because they seek comfort in being part of the crowd, rather than in the ‘courage of conviction’ of doing the right thing, without being concerned about what the others are doing.

Amol Wagle

4 years ago

Is it the right time to start SIP's ?

REPLY

jaideep shirali

In Reply to Amol Wagle 4 years ago

You can start a SIP at any time, because SIPs are not aimed at finding the right time to enter or exit from the market. SIPs average your cost through the ups and downs in the stock markets.No expert can predict the peak and bottom in stock market cycles, so once you start a SIP, stay invested for atleast 5 yrs, irrespective of market trends, you can expect to earn good returns.

Rajeev Kapur

In Reply to jaideep shirali 4 years ago

This is a fallacy perpetuated by distributors of MFs. The article itself quotes a five year period when there was very little gained by MF investors. Some years ago 2-3 years was considered as long term and now it is 5 years or more. Use the same SIP in a well managed, reputed company for direct investment for 5 to 20 years and get enormous returns - no MF can even come close to it.

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