Investing in the stock market requires a lot of personal time and effort to understand the financials of the stock, to time the market and buy the stock. After purchasing the stock, the investor cannot be complacent. He must keep a track of the stock market and the company in which he has brought stock and keep a constant tab on whether he in must hold or sell the stock. Even an investor who wants to invest for a five year time period must keep himself abreast with the happenings of the stock market. He must make financial calculations whether the returns gained from the stock market may be more than what he would have gained from a less risky financial instrument, like a chit