dear sir, the article by Mr. Dharmarajan is informative but the funds he has considered for comparision are not from objectives and so the returns are not comparable. for eg. he has compared the returns of India Opportunities fund and Growth fund of Sundaram MF. the India Opportunities fund is a Mid Cap Fund and Growth fund is a Large Cap fund. these kind of comparisions are not proper and so the analyst should disclose these facts while analysing such performances.