We advisors categorize our investors under two categories – a) those who have limited savings and they invest their savings to meet their financial goals & b) those who have surplus and their sole objective is to earn better returns to add more wealth. The first category is known as retail clients and second category is regarded as High Networth Individuals or HNIs. Investment products and the mode of investment differ for both categories. HNIs can take higher risk compare to retail investors and can invest in products that require larger fund allocation for investment. It is well established fact that in longer run barring few exceptions equity market offers much higher returns than any other asset class. They also offer much better liquidity and one can invest very small amount into the same. And the fact that it also offers facility of partial redemption makes it more attractive investment destination. One of the modes of investment into equity mutual funds is invest