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In my portfolio some of these MF are high risk, high returns and some are low risk, low returns. Just to average out things. 😉

That's smart. I follow a similar strategy!!! Do you use any application to buy or going through a broker?

Oh yes, I use ETMoney. Check it out: https://www.etmoney.com/
They have a mobile app too.

Thanks, I will definitely check it out. ;) Why didn't you tell me before?