"Everybody wants to go heaven, but nobody wants to die. The same way everybody

wants to be rich and wealthy but nobody wants to save. People slog to earn, but a very few

understands the potential of their hard earned money". Suppose you are a financial planner

and your one of the customer of age 32 who is married, have one kid of 5 year and working

as an Assistant Vice President in one of the pharmacy company approached to you for

seeking your views for saving, tax planning, education planning of his child and retirement. What mutual funds you advice to your customers and what factors you keep in mind before advising funds to your customer?