I agree with TITO but I advise donot jump directly into Market First plan your matrix --Market may not give each year 20-22 % returns but Bank FD can surely give 8.75 - 9 % p.a .I personally do not like investing MF as If I have money Why I should give it to others?Keep open your eyes & ears but follow only your Brian's order.No room for emotion and tips/All tips are nothing but totally time pass.