Kumar Aditya is an IT engineer based out of Bangalore. He prefers handling his own investment and does not believe in taking advice from a professional advisor. He says his first brush with the term mutual fund was in 2009 when one of his friend’s suggested it to him, but when he had a look at the fall in Sensex during 2008, he decided to go ahead with fixed deposits. Although later at the end of the year, he believe he had missed the bus in 2009 when the markets surged. But then he says, “I didn’t knew when to invest in equity?”