Wealth accumulation occurs over the course of a lifetime. There should be a clear plan, as to what is to be achieved within a stated timeline. The process of saving and investing must be initiated early with a predetermined goal of meeting financial targets. Asset class to be carefully chosen for investment, studying the risk in each of the investment option at the same time ensuring adequate diversification. Lastly investor should not get perturbed by market fluctuations and exit an investment before an ideal time.