Equity a long term bet?

In every channel that we see, always it is heard that we should invest in equities because an average of 15% growth is possible.
However, lets take a few cases here.
1 the Dow Jones index in the us has not gone anywhere over the last 12 yrs. I wonder if 12 years is not long term?

2 The Indian market is also facing the same issues. Go into any of the websites where you can check mutual fund performance and you will find that the 5 yr return will be around 10-15 %. Which basically means that it is around 1.5% annual growth.

So what is the regular investor to do.?

Right now I am moving heavily into debt funds and debt related products. A 10 % return is much much better risk free than a 1% market linked return.

There are some good products out in the market, including some insurance products which will give 8% post tax ( conditions apply).

If you are interested in knowing specifically more about this... Send me an email

Smart investing.
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