Mutual funds statistically always out do most traders giving enough time. Buyers that out do the market are never able to reproduce it in a long time window. The second part doesnβt make sense mutual funds are specifically made to be as risk averse and tend to be the asset you aught to buy to minimise risk because the risk is spread over the entire market.If you wish grow equity, I would advise against investing in mutual funds, as the market is rather volatile at the moment with the rate of return rather negligible. Stocks, yes esp. in tech, energy etc. Keep an eye on Asia stocks where there are some with better performance, greater returns, and with higher risk.
Do you think you could secure a conventional mortgage?