The piece takes one to nowhere. My question is, when an MF in its Dividend mode give 12% cash return, which is more than 150% of FDs, can it be considered a better choice? Moreover, it is advised that one should go for Dividend mode rather tham the Growth mode. I fell that is really a better option as it would go on recovering the capital that might erode in case of crash of the market. Pl. comment.