A general study says, if a person smokes 90 cigarettes a month for 10 years, he spends about Rs.1,08,000/- (considering cost to be the same) and on the other hand, if he invests that amount monthly for 10 years, he earns far more with compounded interest. Another study shows, if you had invested 1 lac in sensex in 1984, it would have become 1 crore in 30 years, i.e 100X multiplication. (Read the study here http://goo.gl/iWvRIL). There would be ample of examples as such. In equity market, compounded interests are boosters in your long term wealth creation process. As said earlier, investing is a habit of making right choice. So this year, plan to nurture your habit of investing.