Then they call it Research. Even the people who promoted Mutual Funds are now dumb, really dumb with what the January levels to compare with and the present position. Do you know what they will say now? All equity diversified funds have not performed well in the First Quarter, we have to wait and see how they will behave in the next quarter. This is the kind of Research.Forget it.Now they asay even MFs are not safe. They will promote ETFs, Debt Funds.... But once they show their (in)Capability to meet the expectations, then they say after all the inflation is too high, that is the reason why.....