I too agree partialy that one should not keep all his money in to share market. He has to keep some portion in Fixed Instruments for liquidity purpose. It should not be for good return. 1998 FD rate was 8 to 11% but not now. If you take today's FD interest along with cost of inflation, it won't give you better return. Of course, lot of senior citizen suffers because of this. In my opinion Share market with SIP or SWP would be the better option for investor.
