Don't panic if you haven't started planning - take time to do it right. But don't procrastinate either, because the older you get, the more your options will narrow.


For success of any investment goal, there are many factors that play a crucial role. Most important is that of setting the right goals and having a portfolio with the right asset allocation. This is where most of the investors are more likely to go wrong. As we have many times in past reiterated, Asset Allocation is the primary determinant of long term performance of a portfolio, as opposed to product selection and timing.

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