Mumbai, April 19 -- Shalabh Agarwal, 28, began investing in mutual funds when he started working in the merchant navy in 2013. "At the time, there was suddenly a lot of information about mutual funds. I read a lot about SIPs (systematic investment plans), STPs (systematic transfer plans) and fund performance and decided to start investing," he said. Like many first-time investors, Agarwal took the DIY route and started investing about '5,000 each in 10 mutual funds across categories. "I did my own reading and research to find the right funds. I had two large-caps, two midcaps, two small-caps, one index fund, a couple of sectoral funds, and all of them were rated four or five stars," he said. In a year or so, Agarwal found himself struggling...