Mutual Funds are the best avenue to invest in times like this. Retail investors, who invest small amounts over a period of time have various options to invest in. Out of all the options Mutual Funds are the best avenue to invest in as they are led by good fund managers, risk is calculated and returns are higher than any other means. For e.g. any investment made in mutual funds is sure to give returns higher than FD's or PF's if made for a period of one year or more.