From my experience, Mutual fund investment is not going to fetch anything. From my 10 years experience in stock market & MF's, I came to conclusion that Mutual fund managers are also human beings and they too invest in the same set of stocks in which individuals do. The day market goes down by say 2%, my mutual fund portfolio goes down by 5% and in the same way if the market goes up by 2%, my mutual fund portfolio goes up by 1.5%. When I compare it with my stocks portfolio, it is far better than mutual fund. So my advise is to go and buy the stocks which you like and book profits.