Magnificient returns from the equity related instruments in last five years, aggreed,,,,but that is also coupled with the fact that sensex has risen from 3000 od level to almost 15000 that means five fold increase in the sensex itself.Now if you want that astronomical return in coming five years the sensex should rise to 70000 that is highly unlikely.what I see is falling the market for next five years in rising interest rate scenerio. And negative return in process. Please do not misguide. Regards