We used to state that an investment in any mutual fund should last three years or more, and we never considered anything shorter than three years for equity-related investments. Those who joined in September may be dissatisfied if they see that the last year's lumpsum returns were between 40 and 70% and that this will continue in the coming year. Funds fall by 12 to 20% in less than 5 months. If I add the prior year's return to the current negative returns, the point-to-point return is between 12 and 46% in absolute terms. Yes, I understand that seeing their portfolio every day makes it tough to remain calm. That is how the market operates at times. Our long term objectives are still intact. This too will pass. We've seen many similar circumstances before; for beginners, it's difficult to stomach, but things will get better sooner rather than later. Keep calm. If you have a surplus, increase your allocation; otherwise, keep it as it is. The market will provide all returns to those who wait patiently. You conduct due diligence or talk with your financial intermediary before making an investment. shared by Chennai Based Mutual Fund Distributor -Mr.Padmanabhan B (Paddhu)