This post explores the NIFTY IT index on how, it blasted and reached it's peak ONLY after 16 years or more. Which means, if you put money in an ETF in the name of god, there is CHANCE THAT YOU WILL MAKE ZERO MONEY EVEN AFTER 16 YEARS IN THAT TRADE. THAT MEANS, (16/80) = 20% of your HUMAN LIFE keeping money in an instrument which does nothing but lose value in an inflation eating fest.
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