Everyone wants to earn a capital growth for their future life, someone deposits his money in banks, which is a very safe investment with very low or without return; someone invests his money in equities, which give him a chance of very high return, however, he has to accept very high risk.

Investors may not have enough time and knowledge to balance their risk and return, financial planners can give advice to them for this purpose in order to satisfy their economic objectives for different time horizons.