I am regualr investor and reader of Mutual fund schemes.I keep reviewing about its performance rationg in various web sites.The best I liked was valueresearch.com.It has vast data base and very user friendly.The reviews given in is are good and can be taken into consideration for investment decision.I found Mutual fund based on balanced funds category from HDFC,Franklin Templeton,Birla Sun life,TATA,Sundran BNP are good ones.It is safe and rewarding.But due to current scenerio of volatile economic situation, one need to restrain from investing in purely equity based funds.The ULIP schemes with above cos are also good one.I am not very comforatble in going for SIP right now.As thumb rule one can go max of 10-15% of surplus money for MFs.The best customer care services on fund guidance and features can be availed from HDFC,Birla Sunlife,Franklin Templeton.The worse is SBI & Reliance MF.It is like occean.No one cares for you and yr money.