Srinagar, May 6 -- Most people don't. That's because long-term investing goes against our instincts. We want results now. In the age of quick trades and viral tips, waiting two decades feels like watching paint dry. But chasing fast money usually ends badly: high risks, low returns, and a lot of regret.

The truth is, investing isn't meant to be thrilling. It's meant to be effective. It rewards those who are informed, steady and patient. The ups and downs of the market are normal. What matters is staying in, not trying to time the perfect exit or entry.

Mutual funds are a useful starting point. They offer diversification, professional management and low entry barriers. You don't need a fortune to begin, just the discipline to keep going....