Hi, I just want to give another point of view. You mentioned that if you had invested the entire amount in Aug 2004 you would have made more money. True. But did you have Rs 60,000 (Rs. 2000 per scheme * 3 schemes * 10 months) at that time? And if even you had the money, you need a lot of guts to put all your savings at one shot. What people dont understand is that investing Rs. 60,000 at one shot is not equivalent to investing it over a time frame, irrespective of the instrument.
