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In recent times, the complaint that mutual funds have underperformed and that they should at least do better than bank deposits, has grown louder. In a year when the second mutual fund in the country, after UTI, celebrates its 25th birthday, perceptions about what mutual funds are, and what they can do,                  Vacations are always attractive. The only drawback is the expense involved. Snehal Prakash, a software professional, says she loves vacations. But she can’t decide whether or not to go on a vacation this winter, as several big expenses are coming her way. With two weeks left for December, she says she would have to “sell her kidneys” to be able to afford a vacation     Wealth creation for the long term need not be complex. Some readers seem to be caught in the web of multiple financial goals, numerous investments designed to meet those goals, and the stress of monitoring and managing with too much math. Young earners, who have just begun their financial lives, worry about too many choices before them; retired investors, who have built wealth over a lifetime, stress about its adequacy.                       Gold prices are on a roll once again and some analysts believe they could touch Rs 35,000 per 10 gram by the end of this year.Should you invest in the yellow metal at these levels? What if the price corrects in a few months? A new gold saving plan promises to take care of the price concerns for small investors.         Please do not reply back to this mail. This is sent from an unattended mail box. Please mark all your queries / responses to webmaster@insurefuture.co.in   Information provided on this newsletter has been independently obtained from sources believed to be reliable. However, such information may include inaccuracies, errors or omissions. www.insurefuture.co.in and its affiliates, information providers or content providers, shall have no liability to you or third parties for the accuracy, completeness, timeliness or correct sequencing of information available on this newsletter, or for any decision made or action taken by you in reliance upon such information, or for the delay or interruption of such information. www.insurefuture.co.in, its affiliates, information providers and content providers shall have no liability for investment decisions or other actions taken or made by you based on the information provided on this newsletter.