Should I be concerned about my Mutual Fund Investments going down? As the Indices, remaining true to their essence go on a roller coaster ride, the usual concerns of investors(even the long term kinds) surface yet again. I Don’t blame them! After all it does require a lot of discipline and mind control to be able to digest your gains getting lower by the day. It is easy to blame the stock markets and compare the returns to other investment products like the Bank Fixed deposits which for now are giving better returns. However, this comparison is not justified. For one, while one is a fixed interest instrument giving regular payouts, the other gives capital appreciation and you can’t compare these two different things on the same parameters. Secondly, a year or two back (when possibly you invested) these FD’s were certainly not as lucrative and were offering returns in the range of 5-6% (Post tax returns were even lower) while the stock markets posted better returns. Interestingly, fo