Mutual Funds are good, no doubt... but the best thing to do is to buy Sensex stocks. Buy any of the blue-chip stocks at any price and then follow a very simple principle: Keep accumulating when there are dips in the stock prices. DONOT SELL ANYTHING FOR AT LEAST FIVE YEARS!!!! After five years, review the performance of the stocks in your portfolio and adjust your investments accordingly. Rinse and repeat. Screw the "experts", screw the Sensex and screw all those who try to give you advice (including ME)... Just do it! Happy investing.