Investing part of your excess monthly income on a regular basis into mutual funds is how many people access the financial markets in order to spread their risk, increase their potential gains and accumulate capital they can use for their future. This is called ‘unit cost averaging’ which needs three elements to work: (1) a fixed investment amount, (2) invested on a regular basis, often monthly, (3) over a decided period of time, usually medium to long term. The only variable element is the financial markets, as they rise and fall through each economic cycle. By investing on a regular basis you’ll be able to average out the market’s performance during your investment’s life time. The longer you continue to regularly invest for the more your capital will compound and the greater your final returns will be. To learn more about funds, go to fund investments.