Hi, first of all thanks for quick response to mail. I am job holder with pharma and as like IT we don’t hav fast grouth. I wanted to invest 5000 per month (5 to 10yrs )for safe and high returns.I have checked in many sites still could not come to point. I want know I neeed to look for basing on my criteria. Balanced mutual funds or ELSS.Balanced funds also haveSIP?. Do balanced funds have open term or any time frame. If so which one is best. As for my understanding from few sites the SIP ends only after 3 years of last deposition. Pls clarify whether this is applicable to open kind. If so one need forcefully exit from term yo cash money.