text: yaar,savings account toh sabse simple hai, par kabhi kabhi sochti hoon ki kya hum investment tools ke liye thoda research karein, shayad kuch naya seekh sakein.bilkul, par mujhe thoda dar lagta hai, kyunki mujhe nahi pata mutual funds kaise kaam karte hain, tumhe kya lagta hai, kya humein ek financial advisor se baat karni chahiye?