I am 31 years old, I am planning to invest ₹5,000 per month through SIP’s in mutual funds. I have not invested before in mutual funds or equities. So please advise me the funds to choose (which gives good returns). The other investments which I am already doing are: Paying Rs.100000 towards PPF every year and also opened a recurring deposit account for Rs.20000.00/ month. This RD a/c is for my home loan principal part prepayment. I have taken a home loan of 20 Lakh, I have prepaid Rs 4 Lakhs last year.