It’s that time of the year when many of us review the resolutions that we have set for the year and see whether we have achieved the goals we set in various aspects of our lives. I believe one such aspect of life where many of us have set our goals in are our financial goals: how much we aspire to save or earn in this year.I believe for most of us who are pretty much in a job which pays a fixed income every month; the motivation for us is to save a target amount. Savings is what we have of our incomes after expenditures and to increase one’s income, one could seek to reduce one’s expenditures or seek to make more of one’s savings via investments so that the savings multiply. Unless a retail investor has good trading skills, this year could most likely be a “so ......