Dear All, despite this article I will suggest u all to first understand what is company and share and than invest in either MF or Shares as here nothing is Guaranteed unlike Bank FD , POST OFFICE PPF etc. , even in slack period MF cant do anything remember RIL share price at Rs.116/- way back in 2000-2001 no body was investing except UTIMF had purchased so how these new mushroomed (may be oldest in Europe and USA but new in INDIA ) can enter in 2003-4-5 onwards and give us solid returns not possibel at all . after all in MF's nothing is guaranteed they r also speculating like others do fresh MBA's working there as FIN analysist dont even know basics of company law and GDP and about Raw material in industrt how will they predict a share price just by seeing the graph . they always suggest to trigger Stop Loss . so plz. carefull its all yr harderned money go for Guaranteed stuff where Maturity Value is mentioned and banks giving intereset for 10 yrs FD (OBC adn BOB is giving 8.5% ) 10 yrs FD int. is TAX FREE !!! g8 go ahread