1) it doesn't really matter the entry time b'coz u can't really time the market

2) it matters if u consistently and regularly save and invest. If price goes up, u earn; otherwise, u still buy bargins. I think funds are safe only when u regularly invest. Otherwise, it is just as risky as stock investment.

3) U need to diversify. Technology fund few years back is a good example if you do not...

You can go to www.fundsupermart.com for information on specific funds