Long-term investors interested in accumulating substantial wealth over time most often choose mutual funds as one of their preferred investment options. It is, however, important to consider your risk tolerance and financial goals before starting a SIP in order to maximize your chance of generating portfolio returns. Historically, equity mutual funds have produced higher returns than other investment instruments, but new investors should be aware of market risks. Nonetheless, depending on market volatility and other macroeconomic factors, mutual funds can perform better or worse, so investors should always monitor their portfolio performance. Investing in mutual funds or the stock market cannot guarantee a return on investment because past performance does not guarantee future results.