You appear to be not nicely acquainted with mutual funds. You need to educate your self or rent a dependable mutual fund advisor earlier than continuing together with your funding plan. When you find yourself investing for 3 to 5 years, you’d be really helpful debt mutual funds. You possibly can put money into fairness mutual funds solely in case you have at the least seven years. Additionally, you need to persist with debt mutual funds in case your danger profile is low. Put money into fairness mutual funds solely in case you have very excessive danger tolerance. You possibly can count on excessive returns from fairness mutual funds solely in case you have a really lengthy funding horizon.