It will be determined by how much time you have to reach your financial goal.
What is your investment objective? Whether you want capital appreciation or regular income.
To ensure that you are taking the appropriate amount of risk, you should be aware of a scheme's risk profile.
One of the most important criteria is taxation, as you must understand the tax implications of your investments before you begin.
Before investing, you should investigate the scheme's, fund manager's, and fund house's long-term track record.