Disadvantages of investing in a Mutual Fund are:
Mutual funds have their drawbacks and may not be for everyone:
No Guarantees: No investment is risk free. If the entire stock market declines in value, the value of mutual fund shares will go down as well, no matter how balanced the portfolio. Investors encounter fewer risks when they invest in mutual funds than when they buy and sell stocks on their own.

Invest In India
Should you be investing in Indian IT companies when the rupee seems to be appreciating everyday? Is the boom over? Which companies should you be looking at?
It’s ruled by unpredictability. But the Indian stock market is the most exciting emerging market, and investors are queuing up. Plan to invest in the Indian stock market? Let’s see what advantage you get over your international investments.
Most of the NRIs, like myself, want to invest in India for the long term. We don’t need the money in the next 3-5 years. We are in it for th long haul. So what do we invest in ? 