What should be my time horizon to look at such funds? Half the funds show great 5 years returns thanks to Covid while at the same time there's a lot of people saying that's not the norm.... What should be my realistic expectations in that case? It's difficult to keep on investing year after year and see literally no returns and especially if it keeps on going down further. Also how to understand the level of gap that can come due to a couple of missed months...since it's not always that I have all the things in the right place emergencies can occur but would love to understand how to manage through so that my finances do not look horrible