The world is very fair. You want to earn big, you need to do a lot of homework. Go for stock market directly. Make big money! Ok, this is too risky for you. Then let’s go for mutual fund or unit trust with minimum of homework required. Well, you don’t want to do homework at all? “Fund of Funds” is the answer then. Unfortunately, I don’t think “Fund of Funds” is popular yet in most of the countries. Well, remember if you do less homework, you will get low return too and of course low risk.