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A diversified investment portfolio holds the key to long term financial prosperity. The investors must plan to allocate their investments across different asset classes such as equity, debt, gold, etc. Since the investors don't rely on a single asset class for their portfolio performance, the returns may be expected to be stable across market cycles. While equity renders the potential of higher returns over the long term, the debt investments may impart with stability to the portfolio. 

<p dir="ltr">While it is essential to invest and make your money work harder, it is equally crucial to reap the benefits of such investments to enjoy the wealth and use such investments to fulfil pending financial goals and dreams. For example, when one retires, they may rely on the retirement corpus accumulated during the working life to spend the rest of their lives. While one may make a lump sum redemption and cash out all the investments in one go, one should withdraw the amounts on a periodical basis.