Retail Investors have opened more that 9 cores of demat account and are investing directly in shares, gold, silver, PPF, bank fixed deposits, NSCs, real estate, mutual funds and NPS, real estate and other products especially in the share market.To Invest funds you should be aware of the principals of financial management. Investor is to ensure the safety of funds and best returns with reasonable risk and its liquidity when funds are needed for meeting specific goals and any emergency. Any person who wants to directly invest in the shares etc. has to open a demat account with a depository. It he wants to sell or purchase shares in the secondary market, a trading account is to be opened with the depository.