Small changes create big impact over time. Giving consistent effort in developing a good habit is like watering a seed. The benefits seems far away. But you never know how useful it will be. At least view it as a process of trial and error. In the end, we are the ones who gets the benefitted from. So keep doing the practise.
Expecting return a way more than the index average can be of greed influence. Index do gives a handsome return that sometimes even surpasses majority of the stock performance. But it is also true that index may stands still for some years. Yet in the very long it is way better than FDs.
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