I am a salaried person. Since last 18 months, I am making investments in following mutual funds Birla Tax relief 96 Dividend Po ? Rs. 3,000; DSP BLR Tax Saver fund Dividend po ? Rs. 2,000; Birla frontline Equity Growth ? Rs. 2,000 and Reliance Equity Opportunity fund ? Rs. 3,000. None of these funds have given 10% return. The basic motive behind invetsing in these funds was to get good returns and utilize the returns in paying EMI. Please guide me on my portfolio.