I do not agree completely with the author on mutual funds being the best option. Having myself invested in the stock market, here are a few pointers from my end which readers should be made aware of 1) MF is impacted directly by a fall or rise in the stock market... what this means is a 22% rate of return will not always persist, there would be times when the stocks that the MF invests in would nose-dive based on FII, economy, govt and a host of other reasons. It is possible for a negative rate of return as well 2) Most cases, MF is a gamble where in the MF managers do not have any idea themselves what or which stock they should buy? My final suggestion is if you have the appetite for risk, why don't you take the risk yourself by investing in stocks directly rather than some MF manager manage your money Else FDs from bank is still the best option. Cheers Kartik
