text: samajh rahi hoon,par agar hum mutual funds ko long term ke liye invest karein, toh risk kaafi kam ho sakta hai, aur returns bhi achhe milte hain.bilkul, par mujhe yeh bhi samajhna hai ki mutual funds ko manage karna thoda complex hota hai, kya hum iske liye kisi expert ki madad le sakte hain?