Investing in Mutual Funds

Rito: Most likely, they're going to buy the same funds. Go check the portfolio out. You might find a significant overlap. Buy get something that is short term, something that is longer term and meets your philosophy of risk. Don't push yourself into credit risk because somebody told you that it's a good thing. If you like that, just go to PSU and banking debt funds. They will be volatile in the short term, but over a three or five year period, they will do reasonably well.