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Standard disclaimer: Mutual fund investments are subject to market risks and past returns are not a guarantee of future returns.

Our take on disclaimer: Yes, investing is a risky subject and you may also lose money. But each one of us is losing more money by not participating in markets. Key to good investing is asset allocation, discipline and avoiding bad apples. After that, volatility or ups and downs is the second nature of the market. Sticking to your asset allocation and avoiding that animal called greed is the best way to ensure that your money grows and grows well.

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