Every fund has their own potention of growing, no doubt about that. But every fund is also stand a chance of making loss if market and eonomy condition turn bad so it is possible to make a loss as well. So judge the risk whether you are willing to take. In investment, it is always a trade off, no free lunch, want higher return need to expose higher risk. Don't want higher risk then settle for lower return.

Low risk low return, high risk doesn't mean must be high return, it can be losses as well. Just in market condition favourable, it is a higher return.

Overall, in long term most funds (remember not all) generate an ok return rate generally but if one buy or the fund being lauched at when peak time, then it will have much much difficulty to generate return.

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Added on December 5, 2007, 10:32 pmYes, there is a fixed income investment, that's called FD.

This post has been edited by cherroy: Dec 5 2007, 10:33 PM