How to not earn a double digit return from markets and not create wealth in the next 20 years? 1. Panic at every correction and stop sips 2. Jump from fund to fund to buy the hottest funds 3. Pick stocks instead of sips. Well, I know what I’m doing 4. Focus on wrong things - portfolio composition, benchmarking, scheme comparison 5. Compare returns with friends 6. Hard to discuss sips with friends and colleagues 7. Make sure that I am not good at what I do and carry the risk of job loss