Professional management.
Employing Experts. 
When you buy in to a mutual fund, you are handing your money to an investment professionals who has experience in making investment decisions. It is the Fund Manager's job to:
- find the best securities for the fund, given the fund's stated investment objectives; and
- keep track of investments and changes in market conditions and adjust the mix of the portfolio, as and when required.
The collective schemes enables affordability to engage the services of a team of trained and experienced people in the stock market arena to make the right stock selection choices for the inexperienced and untrained individuals.
However, even investment professionals can make wrong choices or wrong timings which will affect the performance of a fund.
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