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Hello Dear Readers! We hope that the new fi nancial year is ‘mutually’ benefi cial for all, as we help you explore Mutual Funds in this issue. ‘Aam’ investors struggle to make informed decisions. While the affl uent classes have portfolio managers and CAs to outsource their funds and portfolio management to, how do salaried/ middle-class investors make an informed decision? We make it easy for them. In the cover story — ‘Getting the mutual fund recipe right’ — the author demystifi es the multiple genres of mutual funds, their suitability for diff erent types of investors and the various plans cut out for them. Flip on, for a detailed analysis of the government’s National Pension Scheme that is useful for the old and young alike, before you are warned of the seven mistakes to avoid before hanging your boots!

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