Investing in a Mutual Fund

Don't go trying to buy a mutual fund. You need to figure out how much of your total amount you have should I have an equity or debt. If you're really, really riskovers, just go by liquid funds like currently it's HDFC and ICSA. They will give you nice returns in the long term but not the same kind of return because rates are lower now. Just buy it and keep it and don't worry about it!