I would like to invest into some mutual funds through SIP for a long term (20 years). I would like to invest in funds that can give returns of atleast 12% over the long term. What is best means to invest in such mutual funds? Should I go through some banks like ICICI or HDFC or should I go to the mutual fund company directly? Where would the cost of investing (service charges & misc. charges) be less? Any suggestions for picking the mutual funds would be much appreciated.