The mutual fund is a pool of money from numerous investors who wish to save their money to investing in different-2 schemes. Refinance. In is a complete guide to mutual funds which provides complete information about Top Mutual fund schemes to invest. Generally, mutual fund is subject to market risk, but returns is high as compared to others saving schemes. Returning interest is compounded based means long time investment gives you the higher returns in mutual funds. Many investors pick the schemes randomly, that’s why they have to endure. Before choosing the schemes decide which one is the best for better returns, after than start investing.