Dear Mr Ajay, Always better to consult an investment broker not withstanding his market talk as he will convince you to invest. However, some basic factors you need to know are NET ASSET VALUE of a MF, whether it is Growth only (means you invest Rs.1000/- and it should grow to say Rs.1200/- in 3 months and you can withdraw it- remember it can also go down depending on market conditions), Dividend scheme, Tax Saver (usually 3 year lock in period - you get Tax benefits upto 1,00,000 under 80C) - Tax Saving Dividend say 25% means your actual income is Tax 15% 25% = 40%, don't put all your eggs in one basket, spread your portfolio, different Companies and different segments, mid cap etc. Better to go in for NFO - New Fund Offers whose face value is Rs.10/- i.e. the NET ASSET VALUE. Happy Investing and always be a long time investor as also an early starter age wise.
